AU Traverse Credit Card

AU Small Finance Bank · Open to apply

AU's card for NRIs at ₹4,999: 4 points per ₹100 abroad and 2 at home, a ₹5,000 MakeMyTrip voucher on activation, 0.99% forex, no cash withdrawal fee, lounge visits in India and abroad and a ₹10,000 Taj voucher on ₹10 lakh of yearly spend.

Annual fee
₹4,999 + GST a year
Joining fee
₹4,999 + GST
Fee waiver
Annual fee waived on ₹6,00,000 spend per card year
Base rate
Domestic spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.4% at cash value)
Lounges
Domestic: 2 visits a calendar quarter; International: 2 visits a calendar quarter
Forex markup
0.99%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • International spends, 4 points per ₹100: 4 AU reward points per ₹100 (about 0.8% at cash value)

Earns nothing on

  • No points on fuel, EMI, cash, rent, education and government

Terms the calculator does not value

  • Duty-free cashback (₹500 on ₹10,000), airport meet and assist and spa visits are not valued.
  • The page does not list transportation or BBPS as excluded for Traverse, unlike the other AU cards; they earn the domestic rate here.
  • No document states a redemption value for Traverse; ₹0.20 is the 2023 voucher rate for all AU cards.

Sources

Compare this card · Find the best card for your spending