Ananta Credit Card
A ₹2,000 points card: 5 points per ₹100 on shopping, dining and travel up to 5,000 points a statement cycle, 2 elsewhere, and up to 50,000 milestone points a year; AU values the points at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,000 plus GST Product page |
|---|---|
| Annual fee | ₹2,000 plus GST Product page |
| Annual fee waiver | On ₹3,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| The joining fee is charged on card activation and is not waived; the annual fee from the second year is waived on ₹3 lakh of retail spend in the card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining and travel (shopping too, but AU does not define it by merchant category) | 5 points per ₹100 Product page | up to 5,000 points a statement cycle Product page |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| All other retail spends | 2 points per ₹100 Product page | no cap on record |
The 5-point rate also covers 'Shopping', which AU does not define by merchant category; CardWise counts shopping at the 2-point rate rather than guess. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: 4 domestic airport lounge visits a quarter — Each visit needs a flight of ₹5,000 or more booked through AU Rewardz in the same quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹200 a statement month Fee schedule
- Welcome: 8,000 bonus points on activation and a first transaction within 30 days (joining fee must be paid) Product page
- Milestone: 5,000 bonus points (₹1,250) at ₹2.5 lakh of spend in a card anniversary year Product page
- Milestone: 10,000 more bonus points (₹2,500) at ₹5 lakh Product page
- Milestone: 15,000 more bonus points (₹3,750) at ₹7.5 lakh Product page
- Milestone: 20,000 more bonus points (₹5,000) at ₹10 lakh Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 15% off Amazon Fashion once a month (orders of ₹1,000 or more, up to ₹500) Product page
- 15% off dining through the District app, up to ₹500 a month Product page
- Up to 15% off hotels booked on AU Rewardz Product page
- 3-month no-cost EMI on flights and hotels booked on AU Rewardz Product page
- Air accident cover up to ₹50 lakh Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- the card network
- a merchant-category definition of the Shopping category
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page gives ₹200 a statement cycle in two places and ₹250 in another; AU's key fact statement of 30 Sep 2026 gives ₹200 a statement month for Ananta, which CardWise uses.
The quotes behind the figures
41 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“The joining fee for the AU Ananta Credit Card is ₹2,000 + GST.”
“Annual Card Membership fee : ₹2,000 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards Fee Waiver: ₹3,00,000 retail spends done in previous card anniversary year”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“BONUS Reward Points Value in ₹ 1 st ₹ 2.5 Lacs 5,000 ₹ 1,250/-”
“Earn 5 Reward Points per ₹100 on Shopping, Dining & Travel spends*”
“Cardholders can earn up to a cumulative maximum of 5,000 Reward Points on Shopping, Dining, and Travel spends in a card statement cycle.”
“Earn 1 Reward Points per ₹100 on Insurance, Utility & Telecom spends”
“Earn 2 Reward Points per ₹100 on all other retail spends.”
“Cash, Rent, Education & Govt, EMI, Fuel, BBPS, transportation & Quasi Cash transactions are not eligible for Reward Points”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“No, there is no joining fee waiver on the AU Ananta Credit Card.”
“The annual fee is ₹2,000 + GST. This fee will be waived once Cardholders spend ₹3,00,000 or more in the card anniversary year.”
“Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.”
“Total 50,000 ₹ 12,500”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“AU Ananta Credit Cardholders can earn up to 50,000 Bonus Reward Points on spending INR.10 Lacs in a card anniversary year.”
“Welcome Benefit is available for Primary cardholder who has paid the Joining Fees of the card.”
“Get 15% off on Amazon Fashion using AU Ananta Credit Card Minimum transaction amount: INR. 1,000 Maximum discount per transaction per month: INR. 500 Valid once per card per month.”
“AU Ananta Credit Cardholders need to spend minimum of Rs. 5000 on flight booking via AU Rewardz to become eligible for Complimentary Domestic Airport Lounge Access in the same calendar quarter.”
“Save 1% surcharge on fuel spends ₹400-₹5,000 across India* (Maximum ₹200 per statement cycle)”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹250 per statement cycle).”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“4 complimentary Domestic Airport Lounge Visits per calendar quarter on Flight bookings through AU Rewardz”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Ananta: Maximum of ₹ 200 per statement month”
“Earn Bonus 8,000 Reward on card activation and 1st successful transaction within 30 days of card issuance.”
“2 nd ₹ 5 Lacs 10,000 ₹ 2,500/-”
“3 rd ₹ 7.5 Lacs 15,000 ₹ 3,750/-”
“4 th ₹ 10 Lacs 20,000 ₹ 5,000/-”
“Earn up to 15% instant discount on Amazon Fashion every month (max cashback Rs. 500 per month)”
“Earn up to 15 % instant discount on Dining with District App every month max cashback Rs. 500 per month”
“Earn up to 15% instant discount on Hotel Booking on AU Rewardz”
“Book Flights & Hotels on AU Rewardz to avail a 3-month No-Cost EMI.”
“Up to ₹50 lakh Air Accident Cover: In case of accident aboard a flight.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“Resident Indian”
“Both salaried and self-employed individuals”
“Ananta Credit Card Thoughtfully crafted for elevated lifestyles, travel and dining Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology