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1st Year Fee: ₹2,000* Plus Applicable Taxes
Travel
2.5X Rewards on Travel
Shopping
15% off on Amazon
Dining
15% off on District app
Author: Shruti Sharma
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AU Ananta Credit Card is a rewards credit card designed for consumers who frequently dine out, travel, and shop online. The card offers an accelerated 1.25% value-back on shopping, dining, and travel categories, along with a base value-back of 0.5% on other spends. In addition to reward points, the card also offers discounts at partner merchants, including 15% off on Amazon and District.
Consumers who frequently travel and prefer to make bookings via AU Rewardz can make the most of this card with a 15% discount on hotel bookings and 4 complimentary lounge visits per quarter on booking flight tickets above Rs. 5,000 through AU Rewardz. Apart from these categories, cardholders who can spend Rs. 10 Lakh in a year can earn up to 50,000 bonus reward points annually.
While this credit card is a good option for frequent travellers and consumers who dine out frequently, its reward rate stands relatively low for an annual fee of Rs. 2,000. It offers 1.25% value-back on select categories and 0.5% on other spends. Whereas, cards like HDFC Regalia Gold and SBI Card PRIME offer better benefits at a slightly higher annual fee.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Rewards Program
Merchant Discounts


Welcome Benefit
Milestone Benefits
Lounge Access
Annual Fee Waiver
Other Benefits
Insurance Benefits:
Visa Benefits:
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 2,000 + Applicable Taxes |
| Annual Fee | Rs. 2,000 + Applicable Taxes |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due (Minimum Rs. 10, Maximum Rs. 1,300) |
You are looking for a card with accelerated benefits on shopping, dining & travel
You can spend Rs. 3 Lakh in a year to avail annual fee waiver
You frequently dine out and prefer to making bookings via District app
You travel frequently and are comfortable in making flight/ hotel bookings via AU Rewardz
Travel3.5/5
Rewards3.5/5
Dining Benefits3.0/5
With 2.5X rewards on shopping and dining, along with 15% off on brands like Amazon and District, this credit card is a suitable option for consumers who frequently dine out or shop online. Besides this, accelerated rewards on travel spends and complimentary lounge visits enhance the card’s value for frequent travellers. Cardholders can also earn up to 50,000 bonus rewards every year as milestone benefits and redeem them across suitable categories. However, apart from the accelerated categories, the card comes with a low reward rate of just 0.5% on other spends. While consumers who frequently dine out or travel can maximize benefits from this card, those looking for a card to earn decent value-back across all categories can explore other options.
Everything you need to know about this credit card
AU Ananta Credit Card charges a joining fee of Rs. 2,000 + applicable taxes and an annual fee of Rs. 2,000 + applicable taxes. The annual fee can be waived on spending Rs. 3 Lakh in a year.
The card offers 5 Reward Points per Rs. 100 spent on shopping, dining, and travel, 2 Reward Points per Rs. 100 on other eligible spends, and 1 Reward Point per Rs. 100 on insurance, utility, and telecom spends.
Yes, the card offers 4 complimentary airport lounge visits per quarter on booking flight tickets worth Rs. 5,000 or more through AU Rewardz.
Yes, cardholders can earn up to 50,000 bonus Reward Points annually on achieving spending milestones of up to Rs. 10 Lakh in a year.
Yes, frequent travellers can benefit from accelerated rewards, hotel booking discounts via AU Rewardz, complimentary lounge access, and travel-related insurance coverage.
This card is suitable for consumers who frequently shop online, dine out, and travel regularly, especially those who prefer to make bookings through AU Rewardz and District to maximize benefits.
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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