# AU Ananta

AU Small Finance Bank · Visa. ₹2,000 fee · 3.49% forex · 2 RP/₹100 other retail (25K RP/cycle overall cap).

verified · checked 16 July 2026 · Source: https://www.au.bank.in/pdf/credit-card/MITC(with-Schedule-of-Charges).pdf

## How it earns (4)

- 2 RP/₹100 other retail (25K RP/cycle overall cap) · cap 25,000 points per statement cycle · verified · checked 11 July 2026
- 5 RP/₹100 shopping/dining/travel, cap 5,000 RP/cycle (about 1.25% at ₹0.25 a point) · cap 5,000 points per statement cycle · verified · checked 16 July 2026
- 1 RP / ₹100 on utilities and telecom, capped at 100 RP per transaction · cap 25,000 points per statement cycle · max 100 points per transaction · verified · checked 17 October 2026
- 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 17 October 2026

## On gift vouchers

- ₹40 back on a ₹10,000 voucher bought direct. · 2 RP/₹100 other retail (25K RP/cycle overall cap)
- Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), Delhi Metro (DMRC) and 13 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No reward points on fuel, rent, education, transport, EMI or bill payments made through BBPS
- No reward points on government payments, quasi-cash or cash

## Milestones (4)

- 5,000 RP (₹1,000 @ ₹0.20) @ ₹2.5L anniversary-year spend · ₹1,000 at ₹2,50,000 spend per card year · verified · checked 16 July 2026
- 10,000 RP (₹2,000 @ ₹0.20) @ ₹5L anniversary-year spend · ₹2,000 at ₹5,00,000 spend per card year · verified · checked 16 July 2026
- 15,000 RP (₹3,000 @ ₹0.20) @ ₹7.5L anniversary-year spend · ₹3,000 at ₹7,50,000 spend per card year · verified · checked 16 July 2026
- 20,000 RP (₹4,000 @ ₹0.20) @ ₹10L anniversary-year spend, fuel and cash spend excluded · ₹4,000 at ₹10,00,000 spend per card year · verified · checked 16 July 2026

## Lounges (1)

- 4 domestic visits a quarter when you book flight tickets of ₹5,000 or more through AU Rewardz. · Domestic · domestic · 4 per quarter · checked 16 July 2026

## Fees

- Annual fee: ₹2,000 + GST
  Waived at ₹3,00,000 spend per year
- Forex markup: 3.49%
- DCC markup: Not published
- Earns: AU Rewardz Points · ₹0.2 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-ananta