Rewards
AU Ananta Credit Card
A mid-premium AU card with 1.25% back on dining, online shopping and travel, big milestone bonuses up to 50,000 points, and 8,000 welcome points.
Joining fee₹2,000 + GST
Annual fee₹2,000 + GST
Fee waiverOn ₹3 lakh spend a year
Top reward5 points per ₹100 on dining, online, travel
Lounge4 domestic a quarter (conditions apply)
Forex markup3.49%
Best for: People spending ₹25,000+ a month who can reach the yearly milestones.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining, online shopping, travel | 5 points per ₹100 (about 1.25%) | 5,000 points a cycle |
| Other spends | 2 points per ₹100 (about 0.5%) | – |
| Insurance, utilities, telecom | 1 point per ₹100 | 100 points a transaction |
| Fuel, rent, education, government, EMI, transport | Nothing | – |
- 1 point = about ₹0.25.
Benefits
Welcome benefit
- 8,000 points (about ₹2,000) after your first transaction within 30 days.
Milestones
- 5,000 points at ₹2.5 lakh, 10,000 at ₹5 lakh, 15,000 at ₹7.5 lakh and 20,000 at ₹10 lakh yearly spend.
Travel and lounges
- 4 domestic lounge visits a quarter when you book a ₹5,000+ flight on AU Rewardz that quarter.
Fuel and forex
- Forex markup 3.49%.
- 1% fuel surcharge waiver up to ₹200 a month.
Other perks
- 15% off at Amazon Fashion, District dining and AU Rewardz hotels (up to ₹500 each a month)
Fees and charges
| Joining fee | ₹2,000 + GST (₹2,360) |
|---|---|
| Annual fee | ₹2,000 + GST, waived on ₹3 lakh yearly spend |
| Forex markup | 3.49% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Welcome points nearly cover the fee
- Big milestone bonuses
- Dining and shopping discounts
Watch out for
- Lounges need a flight booking on AU Rewardz
- Low base rate
- High forex markup
Recent changes
- 1 Jul 2026Fuel fair-usage rules tightened.
- 14 Jun 20261% charge on high transport spends.
- 4 May 2026Card launched.
Frequently asked questions
How much are AU Ananta milestones worth?
Up to 50,000 points a year, about ₹12,500, if you spend ₹10 lakh.
Ready to apply for the AU Ananta Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.