AU Bank Traverse Credit Card

The AU Bank Traverse Credit Card is a premium lifestyle and travel card crafted exclusively for Non-Resident Indians (NRIs). While the Indian credit card market has no shortage of premium travel options, the NRI-focused segment remains relatively small, with only a handful of products for global spending. The Traverse card stands out with its low forex markup, international lounge access, milestone rewards, and travel perks such as Meet & Assist and airport spa visits. It aims to make a balance between luxury lifestyle experiences and practical international benefits, giving NRIs more versatility in managing expenses.

Product Details

• Premium lifestyle and travel credit card, designed for Non-Resident Indians (NRIs).
• Best suited for international spends, frequent travel, and luxury lifestyle benefits.
• Offers low forex markup of 0.99%, complimentary domestic & international lounge access, milestone Taj voucher, airport spa, and Meet & Assist services.

Annual Fee and Welcome Benefits

The AU Bank Traverse Credit Card has a joining and annual fee of ₹4,999 plus GST. The renewal fee is also ₹4,999 plus GST; however, it can be waived off if you spend ₹6,00,000 or more in a year. As a welcome benefit, new cardholders receive a MakeMyTrip voucher worth ₹5,000, provided the card is activated within 30 days of issuance.

Milestone Benefits

Get a Taj Voucher worth ₹10,000 when you hit annual spending of ₹10,00,000 in your card’s anniversary year, which is a reward rate of an additional 1% on milestone achievement, over and above the regular reward points earned.

Reward Points – Earning and Redemption

With the AU Traverse Credit Card, NRIs can earn reward points on their spending across the following categories:

• 4 Reward Points per ₹100 (~1%) on international spends, ideal for frequent global travelers.
• 2 Reward Points per ₹100 (~0.5%) on domestic spends.
• 1 Reward Point per ₹100 (~0.25%) on insurance, utility, and telecom spends, capped at 100 Reward Points per transaction.

Cardholders can earn a maximum of 25,000 Reward Points per statement cycle. Once this cap is reached, no additional reward points will be accrued until the next cycle. Each point is valued at approximately ₹0.25 and can be redeemed on the AU Rewardz Portal.

Important: You need at least 200 Reward Points in your account to redeem them, and you can only have up to 10 redemption transactions per day, with a total of ₹3,00,000 per 24 hours.

Complimentary Airport Lounge Access

The card permits users up to 4 complimentary lounge visits per calendar quarter, with two visits domestic and two international.

AU Credit Cardholders must spend at least ₹20,000 in a single calendar quarter to qualify for free domestic airport lounge access in that quarter. Once they meet the eligibility criteria, cardholders will be eligible for domestic airport lounge access within two days.

For domestic and international airport lounge visits within India with Priority Pass, a $35+tax fee will apply. Additionally, for international lounge visits, a Priority Pass usage charge of $35+taxes will be applied once the complimentary visits are exceeded, as may be applicable to a specific card type.

Other Travel Perks

1. Low Forex Markup

Enjoy global spending at a reduced foreign exchange markup of just 0.99% on all international transactions.

2. Duty-Free Cashback

Earn a flat ₹500 cashback every month on duty-free purchases of ₹10,000 or more.

3. Meet & Assist Service

Benefit from 4 complimentary Meet & Assist services per year (1 per quarter), including VIP assistance with check-in, security, and airport formalities for a smooth travel experience.

4. Airport Spa Access

Relax with 4 complimentary airport spa visits per year (1 per quarter) to make your travel more rejuvenating.

AU Small Finance Bank NRI Customer Service

Since the launch of this card, Au Small Finance Bank has had a dedicated helpline for its NRI customers, allowing them to reach out in case of any queries.

• Phone Number: 0141-7141100
• Email: NRIservices@aubank.in

The general 24-hour call center number is 1800 1200 1500.

Bottom Line

The AU Bank Traverse Credit Card brings much-needed diversity to the small but growing NRI credit card market in India. It offers a 0.99% forex markup, complimentary domestic and international lounge access, and a ₹10,000 Taj Hotels milestone voucher, making it a compelling option for frequent travelers. However, it carries a moderate base reward rate and certain spend conditions (like domestic lounge eligibility), which may not appeal to many users.

If you are an NRI seeking a card that combines global spending power with premium travel privileges, the Traverse is worth considering. That said, alternatives like the Yes Bank RESERV, Yes SELECT NRI Card, and Kotak NRI Royale Signature Credit Card are also worth comparing before making a choice.