AU Small Finance Bank
AU Bank Traverse Credit Card
Annual Fee
₹5,899₹4,999 + GSTBase Reward
1% points
Foreign Markup
0.99%
Welcome Benefits
MakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days
Product Highlights
- Premium lifestyle and travel credit card
- Low forex markup of 0.99%
- Complimentary domestic & international lounge access
- Milestone Taj voucher
Category Rewards
Specialty
4X RP on international spends
4X
utilities
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Fee Waiver
Waived on Spending ₹6 Lakh in a Year
Reward Calculator
Costs you ₹4,849/year
Break-even needs ~₹89,890/month at your reward mix.
₹16K
across all your buckets
4.2K
AU Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.55%
Annual fee
₹5,899
Year 1 net
₹-4,849
Year 2+ net
₹-4,849
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹10,000 Taj voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
0.99%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash, rent, education, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
4 Reward Points per ₹100 on International Spends, 2 Reward Points per ₹100 on Domestic Spends, and 1 Reward Point per ₹100 on Insurance, Utility & Telecom Spends.
- Redeem Reward Points at AU Rewardz Portal
Benefits & Features
Domestic: 8 Free Visits Per Year, Limited to 2 per Quarter (Powered by DreamFolks) (Spend at least ₹20,000 in a single calendar quarter) International: 8 Complimentary Visits Per Year, Max 2 per Quarter (Powered by Priority Pass) Cardholders must spend at least ₹20,000 in a single calendar quarter to qualify for free domestic airport lounge access.
Pros & Cons
Pros
- Low forex markup of 0.99%
- Complimentary lounge access (domestic & international)
- No cash advance charges
Cons
- Domestic lounge access requires a quarterly spend of ₹20,000
- No golf or insurance coverage
Additional Info
Important note 1
Note 2
Maximum of 25,000 Reward Points per statement cycle.
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on Spending ₹6 Lakh in a Year