# AU Traverse

AU Small Finance Bank · Visa. ₹4,999 fee · 0.99% forex · 2 RP/₹100 domestic (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 domestic (25K RP/cycle overall cap) · cap 25,000 points per statement cycle · verified · checked 11 July 2026
- 4 RP/₹100 international · cap 25,000 points per statement cycle · international only · verified · checked 11 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 19 October 2026
- 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 19 October 2026

## On gift vouchers

- ₹40 back on a ₹10,000 voucher bought direct. · 2 RP/₹100 domestic (25K RP/cycle overall cap)
- Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), NoBroker Pay (rent) and 9 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 (1)

- No RP: rent, education & govt, fuel, cash

## Milestones (1)

- ₹10,000 Taj Hotels voucher @ ₹10L anniversary-year spend (not confirmed by the issuer) · ₹10,000 at ₹10,00,000 spend per card year · community-verified · checked 11 July 2026

## Lounges (1)

- 2 domestic and 2 international visits a quarter, no spend condition (not confirmed by the issuer; the page can also be read as 2 visits a quarter in all). Spa: 4 visits a year. · Domestic + International · domestic and international · 16 per year · checked 19 October 2026

## Fees

- Annual fee: ₹4,999 + GST
  Waived at ₹6,00,000 spend per year
- Forex markup: 0.99%
- 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-traverse