Fees & charges
Joining fee₹0 on the VISA/RuPay variant (currently); ₹2,999 + GST on other variants
Annual / renewal fee₹0 on the VISA/RuPay variant (currently); ₹2,999 + GST otherwise
Fee waiverOn the ₹2,999 + GST variants: year 1 waived on ₹40,000 spend within 90 days; year 2+ waived on ₹1.5L spend in the prior card year
Why this card
- 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)
- Up to ₹50 lakh air accident cover
- 1% fuel surcharge waiver, capped at ₹250/month (dropping to ₹100/month from 1 Oct 2026)
- Curated AU Rewardz offers (ITC Hotels, Elivaas, Visa Meet & Greet, Dine with Visa)
Card servicing
- Dedicated Concierge (travel & entertainment)
- Card Liability Cover (fraud protection)
- Xpress EMI
- Free-for-life add-on cards
More from AU Small Finance Bank
AU Altura+
Lifetime free
- 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
Card names, fees and figures shown are illustrative; verify current terms with AU Small Finance Bank directly before applying.