AU Ananta Credit Card

AU Small Finance Bank · Open to apply

A ₹2,000 rewards card with 5 points per ₹100 on shopping, dining and travel (up to 5,000 points a statement), 2 on everything else, an 8,000-point welcome, up to 50,000 bonus points on ₹10 lakh of annual spend and monthly 15% discounts at Amazon Fashion, District and on hotels.

Annual fee
₹2,000 + GST a year
Joining fee
₹2,000 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
Other retail spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 4 visits a calendar quarter
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Shopping, dining and travel, 5 points per ₹100 (up to 5,000 points a statement): 5 AU reward points per ₹100 (about 1.25% at cash value)

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Where the sources disagree

  • Fuel surcharge waiver cap: The page's headline and FAQ say up to ₹200 a statement cycle and its detail text says ₹250; the KFS and MITC say ₹200 for Ananta. We use ₹200.
  • Welcome benefit trigger: The page headline gives the 8,000 points on card activation; the FAQ and the welcome terms require activation and a first transaction within 30 days of issuance. We use the terms.

Terms the calculator does not value

  • The 15% instant discounts (Amazon Fashion, District, hotels on AU Rewardz) are each up to ₹500 a month on a minimum spend and can be worth up to ₹18,000 a year if used in full; they are not valued.
  • No document lists the MCCs behind "shopping" and "travel" for the 5-point rate. Dining, flights, hotels, online shopping, apparel and electronics are matched; cabs, trains, grocery and department stores earn the base 2 points here.
  • Domestic lounge QR codes need a flight booking of ₹5,000 or more through AU Rewardz; the 4 visits a quarter are counted as available to every holder.
  • Local commute (MCC 4111) and BBPS earn nothing but have no category here and are valued at the base rate.
  • Redemption routes (flights, hotels, merchandise) are not valued beyond the ₹0.25 the milestone table implies and the ₹0.20 voucher rate of 2023.

Sources

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