AU Ananta Credit Card
- Updated On: 4 June, 2026
The AU Ananta Credit Card is AU Bank’s attempt at offering a premium lifestyle credit card at an affordable price point. Available at a joining and annual fee of ₹2,000 + GST, the card offers a welcome benefit of 8,000 Reward Points, effectively offsetting the joining fee. Along with this, cardholders can enjoy accelerated rewards on dining spends, complimentary airport lounge access, and a range of discounts and offers across popular merchants.
The AU Ananta Credit Card is positioned as a well-rounded lifestyle credit card that caters to both everyday spending and travel needs. Cardholders can earn accelerated reward points on dining spends, enjoy complimentary airport lounge access, and avail exclusive offers across categories such as shopping, entertainment, and travel. In addition, the card also comes with milestone-based benefits that can enhance its overall value for users with moderate to high annual spends. Considering its fee, the AU Ananta Credit Card offers a good mix of rewards, travel privileges, and lifestyle benefits, making it a strong option in the premium mid-segment category.
AU Ananta Credit Card
( 3.9 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
Earn 5 Reward Points Per ₹100 on Shopping, Dining & Travel Spends, 2 Reward Points Per ₹100 on Other Retail Spends, and 1 Reward Point Per ₹100 on Insurance, Utility & Telecom Spends
Welcome Benefits
8,000 Reward Points on Card Activation
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
Earn 5 Reward Points Per ₹100 on Shopping, Dining & Travel Spends, 2 Reward Points Per ₹100 on Other Retail Spends, and 1 Reward Point Per ₹100 on Insurance, Utility & Telecom Spends
Reward Redemption
Redeem Reward Points Against E-Vouchers, Merchandise, and Flight or Hotel Bookings
Travel
N/A
Domestic Lounge Access
Get Up to 4 Complimentary Domestic Airport Lounge Accesses Per Quarter on Booking Flight Tickets Worth ₹5,000 or More Through AU Rewardz
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Up to ₹50 Lakh Air Accident Cover, ₹5 Lakh Credit Shield, ₹25,000 Purchase Protection, and Comprehensive Travel Insurance Benefits
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49%
Interest Rates
3.75% Monthly (45% Per Annum)
Fuel Surcharge Waiver
1% Waiver on Transactions Between ₹400 and ₹5,000 (Up to ₹200 Each Statement)
Cash Advance Charges
2.5% of the Amount Withdrawn (Minimum ₹500)
Product Details
- The welcome benefit of 8,000 Reward Points offsets the joining fee.
- Earn accelerated 5X rewards on shopping, dining, and travel spends.
- Multiple milestone rewards worth up to 50,000 bonus Reward Points annually.
- Complimentary domestic airport lounge access through AU Rewardz flight bookings.
- Comprehensive insurance coverage, including air accident, credit shield, and travel insurance.
- Annual fee waiver available on spends of ₹3 lakh in a membership year.
Pros/Cons
Pros
- For those interested in AU Bank credit cards or already having a banking relationship with AU Bank, the AU Ananta Credit Card can be a good option. It offers a decent mix of rewards, lounge access, insurance coverage, and merchant discounts, making it suitable for everyday lifestyle spending.
Cons
- The reward rate on accelerated categories works out to around 1.25%, which feels a bit low for a card with an annual fee of ₹2,000. Several cashback credit cards in the market offer better returns, especially for shopping and dining spends.
Reward Points Earning
- Earn 5 Reward Points per ₹100 spent on shopping, dining & travel transactions. Capped at 5,000 Reward Points for each statement cycle.
- Earn 2 Reward Points per ₹100 spent on all other retail transactions.
- Earn 1 Reward Point per ₹100 spent on insurance, utility & telecom transactions.
Milestone Rewards
The AU Ananta Credit Card comes with multiple milestone benefits that can add significant value for cardholders with high annual spends. As you continue spending on the card throughout the year, you can unlock additional reward points and other benefits, making it a rewarding option for those who regularly use their credit card for everyday purchases and travel expenses.
| Spending | Bonus Reward Points |
| ₹2.5 Lakh | 5,000 |
| ₹5 Lakh | 10,000 |
| ₹7.5 Lakh | 15,000 |
| ₹10 Lakh | 20,000 |
Fuel and cash transactions will not be considered for milestone benefit calculations.
Airport Lounge Access
The AU Ananta Credit Card offers up to 4 complimentary domestic airport lounge visits per calendar quarter. However, unlike most credit cards, lounge access is not linked to a spending milestone. To become eligible, cardholders must book flight tickets worth at least ₹5,000 through the AU Rewardz portal during the same calendar quarter.
The booking can be made entirely using the AU Ananta Credit Card or through a combination of Reward Points and the card, provided the total booking value is ₹5,000 or more. Once the booking is successful, the cardholder becomes eligible for up to 4 complimentary lounge visits in that quarter.
Discounts on Popular Brands & Merchants
Apart from its rewards and travel benefits, the AU Ananta Credit Card also offers exclusive discounts across popular shopping, dining, and travel platforms. These offers can help cardholders save on their regular purchases and bookings throughout the year.
- Get up to 15% instant discount on Amazon Fashion every month, with a maximum discount of ₹500 per month.
- Enjoy up to 15% instant discount on dining bills via the District App, with a maximum discount of ₹500 per month.
- Receive up to 15% instant discount on hotel bookings made through AU Rewardz.
Insurance Covers
- Get air accident insurance cover of up to ₹50 lakh while traveling on flights.
- Receive credit shield cover of up to ₹5 lakh against outstanding card dues in case of death, critical illness, or permanent total disability.
- Enjoy purchase protection cover of up to ₹25,000 against theft, fire, or accidental damage for up to 90 days from purchase.
- Avail travel insurance benefits for baggage loss, baggage delay, flight delay, loss of passport, and plane hijacking.
Bottom Line
The AU Ananta Credit Card is a decent lifestyle credit card for those looking for a mix of rewards, lounge access, insurance coverage, and merchant discounts at a moderate annual fee. While the reward rate is not the highest in its segment, the welcome bonus, milestone rewards, and travel-related benefits help improve its overall value. Existing AU Bank customers and users who can make regular use of the card’s offers may find it a worthwhile addition to their wallet.
FAQs:
What is the joining fee for the AU Ananta Credit Card?
The card comes with a joining fee of ₹2,000 + GST and an annual fee of ₹2,000 + GST.
How can I get complimentary airport lounge access with the AU Ananta Credit Card?
Cardholders can avail up to 4 complimentary domestic lounge visits per quarter by booking flight tickets worth ₹5,000 or more through AU Rewardz.
Does the AU Ananta Credit Card offer an annual fee waiver?
Yes, the annual fee is waived if you spend ₹3 lakh or more during the card membership year.
Are fuel transactions eligible for reward points and milestone benefits?
Fuel transactions are not considered for milestone benefit calculations. Reward points may also not be applicable on certain fuel transactions as per the bank’s terms and conditions.