Fees & charges
Joining fee₹0 on the VISA/RuPay variant (currently); ₹499 + GST on other variants
Annual / renewal fee₹0 on the VISA/RuPay variant (currently); ₹499 + GST otherwise
Fee waiverOn the ₹499 + GST variants: year 1 waived on ₹20,000 spend within 90 days; year 2+ waived on ₹80,000 spend in the prior card year
Why this card
- 1.5% cashback on offline/retail spends (plus 1 Reward Point per ₹100 on the same spends), 2X Reward Points on online spends
- 500 bonus points on ₹20,000+ retail spend in a calendar month
- 8 complimentary railway lounge visits a year
- 1% fuel surcharge waiver (up to ₹150 per statement cycle, dropping to ₹100 from 1 Oct 2026) on transactions between ₹400–₹5,000
- Free device-protection/extended-warranty insurance
Card servicing
- Card Liability Cover (fraud protection)
- Xpress EMI (on ₹2,000+ transactions)
- Free-for-life add-on cards
More from AU Small Finance Bank
AU Vetta
Lifetime free
- Up to 4 Reward Points per ₹100 spent
- At least 1 lounge visit per quarter with combined domestic and international access, via a Priority Pass membership (gated on quarterly spend; exact visit count worth reconfirming with AU support)
- 1,000 bonus points on a birthday retail transaction (fuel excluded)
Card names, fees and figures shown are illustrative; verify current terms with AU Small Finance Bank directly before applying.