Card Details
AU Ananta Credit Card
Monzy Score
4.5/ 10
Average for frequent travellers.
Thin rewards outside its core category.
Card Issuer
AU Small Finance Bank
Joining Fee
₹2,000
Annual Fee
₹2,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 RP/₹100
Shopping, dining & travel spends (≈1.25% value)
2 RP/₹100
Other eligible retail spends (≈0.5% value)
1 RP/₹100
Insurance, utility & telecom (≈0.25% value; max 100 RP/txn)
2 RP/₹100
Other retail spends
Benefits
5X Reward Points on shopping, dining & travel
- Accelerated AU Rewardz earning
- 5 RP/₹100 on shopping, dining & travel
- Reward Point value is ₹0.25
- Accelerated bucket capped at 5,000 RP per statement cycle
4 domestic lounge visits/quarter via AU Rewardz…
- Spend-linked lounge access
- 4 visits each quarter upon qualifying AU Rewardz flight booking
- No free lounge access without AU Rewardz flight spend
₹3 lakh annual spend waives the ₹2,000 fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, education, government, emi, cash, bbps, transportation, wallet
Estimated Returns
shopping, dining & travel
5 RP/100, combined cap 5000 RP (=1250).
₹375
insurance, utility & telecom
1 RP/100.
₹0
all other eligible spends
2 RP/100 base.
₹0
Total Annual Return
₹4,500
1.25% Effective ROIWhat Users Are Saying
Community Feed
May 2026
“AU Bank Credit Cards New Launches: Ananta vs Lakshya”
by r/CreditCardsIndia, May 2026
“New Credit Card by AU Small Finance Bank”
by r/CreditCardsIndia, Apr 2026
“AU Bank just dropped 4 new Credit Cards. Here's the”
by r/Raw_n_real_finance, May 2026
“How are AU Credit cards?”
by r/CreditCardsIndia, Jul 2026
“AU Bank is genuinely trash tier or probably even worse”
by r/IndianCreditCards, Apr 2026
Things to Keep in Mind
5X reward bucket limited to 5,000 Reward Points per statement cycle.
Complimentary lounge access requires ₹5,000+ AU Rewardz flight booking in the same quarter.
Utility and telecom transactions earn a maximum of 100 Reward Points per transaction.
Milestone spend excludes fuel and cash.
