AU Ananta Credit Card
Card Overview
AU Ananta Credit Card is a rewards credit card for people who spend regularly on shopping, dining, travel, and online purchases. It gives 1.25% value-back on shopping, dining, and travel and 0.5% value-back on other spends. Cardholders can also get offers such as 15% off on Amazon and District. Travellers can get a 15% discount on hotel bookings through AU Rewardz and 4 complimentary airport lounge visits every quarter when they book flight tickets worth more than ₹5,000 through AU Rewardz. Customers who spend ₹10 lakh in a year can also earn up to 50,000 bonus reward points.
The card has a joining and annual fee of ₹2,000 + GST and comes with 8,000 Reward Points as a welcome benefit. It also provides lounge access, travel benefits, merchant discounts, and additional rewards for higher spending. The AU Ananta Credit Card can be a good option for people who regularly spend on dining, shopping, and travel and want useful benefits at a reasonable annual fee. Overall, it offers a straightforward combination of rewards, travel benefits, and lifestyle offers.
Card Details
- Welcome Offer: Get 8,000 Reward Points worth ₹2,000 when you activate the card.
- Rewards: Earn 5 Reward Points/₹100 on Shopping, Dining & Travel, 2 points/₹100 on other eligible spends, and 1 point/₹100 on Insurance, Utility & Telecom. Redeem points for vouchers, merchandise, flights and hotels at ₹0.25 per point.
- Airport Lounge Access: Get 4 complimentary lounge visits per quarter when you book flights above ₹5,000 through AU Rewardz.
- Milestone Rewards: Earn up to 20,000 bonus Reward Points for annual spending of ₹10 lakh. You can earn 5,000 points at ₹2.5 lakh, 10,000 at ₹5 lakh, 15,000 at ₹7.5 lakh and 20,000 at ₹10 lakh.
- Merchant Discounts: Get 15% off up to ₹500 on eligible Amazon purchases, District dining bills and AU Rewardz hotel bookings, subject to the applicable minimum spend.
- Annual Fee Waiver: Get the annual fee waived when you spend ₹3 lakh in a year.
- Fuel Savings: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹200 per month.
- Travel Benefits: Enjoy 3-month no-cost EMI on eligible flight and hotel bookings through AU Rewardz, along with selected MakeMyTrip and Alaya Stays offers.
- Insurance Cover: Get up to ₹50 lakh air accident cover, ₹5 lakh credit shield and ₹25,000 purchase protection, plus selected travel-related covers such as baggage loss, baggage delay, flight delay and passport loss.
- Visa Benefits: Get 2 complimentary domestic flight seats up to ₹350, 15% off on MakeMyTrip hotel bookings, complimentary Times Prime membership and special Alaya Stays offers.
Features & Benefits
AU Ananta Credit Card: Key Features, Rewards & Benefits
The AU Ananta Credit Card is a premium lifestyle and rewards credit card from AU Small Finance Bank. It is designed for customers who regularly spend on shopping, dining, travel, and online purchases. The card combines reward points with travel benefits, airport lounge access, merchant offers, and milestone rewards, making it suitable for customers with moderate to high annual spending.
AU Ananta Credit Card Fees and Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹2,000 + GST |
| Annual Fee | ₹2,000 + GST |
| Welcome Benefit | 8,000 Reward Points |
| Annual Fee Waiver | Available on meeting the applicable spending criteria |
The 8,000 Reward Points welcome benefit can help offset the joining fee. Customers should check the latest terms and conditions for the applicable annual fee waiver criteria.
AU Ananta Credit Card Rewards
The card offers higher rewards on selected spending categories. Cardholders can earn 5 Reward Points per ₹100 on eligible shopping, dining, and travel spends. Other eligible purchases earn 2 Reward Points per ₹100, while insurance, utility, and telecom transactions earn 1 Reward Point per ₹100.
| Spending Category | Reward Points |
|---|---|
| Shopping, Dining & Travel | 5 points/₹100 |
| Other Eligible Spends | 2 points/₹100 |
| Insurance, Utility & Telecom | 1 point/₹100 |
Reward Points can be redeemed through AU Rewardz for eligible e-vouchers, merchandise, and travel-related options.
AU Ananta Credit Card Milestone Rewards
The card offers additional Reward Points when cardholders reach specific annual spending milestones. This can increase the overall reward value for customers with higher yearly spending.
| Annual Spend | Bonus Reward Points |
|---|---|
| ₹2.5 lakh | 5,000 points |
| ₹5 lakh | 10,000 points |
| ₹7.5 lakh | 15,000 points |
| ₹10 lakh | 20,000 points |
| Total | Up to 50,000 points |
Customers who can consistently achieve these spending milestones may get considerably more value from the card.
AU Ananta Credit Card Travel Benefits
Frequent travellers can access additional benefits through AU Rewardz. The card provides a 15% discount on eligible hotel bookings and 4 complimentary airport lounge visits per quarter when eligible flight tickets worth ₹5,000 or more are booked through AU Rewardz, subject to applicable conditions.
AU Ananta Credit Card Lifestyle Benefits
The card also provides discounts and offers from selected merchant partners. These offers can provide additional savings on shopping, entertainment, dining, and other lifestyle expenses. Merchant offers and their terms may change from time to time.
Who Should Consider the AU Ananta Credit Card?
The AU Ananta Credit Card can be a suitable option for customers who regularly spend on shopping, dining, and travel and want to earn additional rewards through milestone spending. It can be particularly useful for moderate to high spenders who can take advantage of the card's reward structure, travel benefits, lounge access, and annual fee waiver.
AU Ananta Credit Card: Is It Worth It?
The AU Ananta Credit Card offers a combination of rewards, milestone benefits, travel privileges, lounge access, and lifestyle offers at a ₹2,000 + GST annual fee. The welcome Reward Points and potential annual fee waiver can further improve its value. However, customers should compare the card's benefits with their actual spending pattern before applying. For customers who spend regularly in the accelerated reward categories and can achieve the milestone targets, the card can be a worthwhile premium lifestyle credit card.
Pros/Cons
Reality Check Feedback
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
- What are the fees for the AU Ananta Credit Card?
The card has a joining fee of ₹2,000 + applicable taxes and an annual fee of ₹2,000 + applicable taxes. The annual fee is waived if you spend ₹3 lakh in a year.
- What rewards does the AU Ananta Credit Card offer?
You earn 5 Reward Points per ₹100 on shopping, dining and travel, 2 points per ₹100 on other eligible purchases, and 1 point per ₹100 on insurance, utility and telecom payments.
- Does the AU Ananta Credit Card provide airport lounge access?
Yes. You can get up to 4 free domestic lounge visits every quarter by booking flight tickets worth ₹5,000 or more through AU Rewardz.
- What are the milestone benefits of the AU Ananta Credit Card?
You can earn up to 50,000 bonus Reward Points in a year by reaching spending milestones of up to ₹10 lakh.
- Is the AU Ananta Credit Card good for travel?
Yes. It offers travel rewards, lounge access, hotel booking discounts through AU Rewardz and travel insurance benefits.
- Do fuel purchases earn rewards on the AU Ananta Credit Card?
Fuel spends do not count towards milestone benefits, and some fuel transactions may not earn Reward Points as per the bank's rules.
- Who is the AU Ananta Credit Card best suited for?
It is suitable for people who regularly shop, dine out or travel and want to earn more rewards through eligible purchases and AU Rewardz bookings.
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