Welcome Benefits :- ​N/A

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Rewards & Benefits :- 

Movie & Dining

N/A​

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Rewards Rate

10 Reward Points per Rs. 100 on utility bill payments (reward rate = 2.5%), 4 Reward Points per Rs. 100 on grocery and departmental store spends (reward rate = 1%), 2 Reward Points per Rs. 100 on all other retail spends except fuel (reward rate = 0.5%)

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Reward Redemption

Reward Points redeemable for e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings on AU Rewardz portal, 1 Reward Point = Rs. 0.25

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Travel 

Reward Points redeemable for flight/hotel bookings on AU Rewardz portal, complimentary domestic and international airport lounge access, complimentary IRCTC loucnge access

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Domestic Lounge Access

1 per quarter under Visa domestic lounge program

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International Lounge Access

1 per quarter with Priority Pass membership

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Fees & Charges :- 

Spend-Based Waiver

Joining fee waived off on expenditure of Rs. 40,000 within 90 days of card setup, renewal fee (second year onwards) waived off on expenditure of Rs. 1.5 lakh in the preceding year

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Rewards Redemption Fee

Nil

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Foreign Currency Markup

3.49% on all foreign currency spends.

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Interest Rates

3.49% per month

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Fuel Surcharge

Fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000 (max waiver capped at Rs. 250 per month)

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Cash Advance Charges

2.5% of the transaction amount (subject to a minimum charge of Rs. 100)

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Product Details :- 

• Vouchers worth Rs. 2,000 on minimum expenditure of Rs. 30,000 within 6 months of card setup.

• 4 Reward Points per Rs. 100 on grocery and departmental store spends, 2 Reward Points per Rs. 100 on all other retail spends and one Reward Point per Rs. 100 on utility bill payments. No Reward Points are earned on fuel purchases.

• Zomato Pro annual membership on spends of Rs. 50,000 in a month (applicable only once in a year).

• 500 Bonus Reward Points on retail spends of Rs. 50,000 in a calendar quarter and additional 1,000 Reward Points on achieving quarterly spend milestone of Rs. 1 lakh.

• Vouchers worth Rs. 1,000 from top brands on spending a minimum of Rs. 2.5 lakh in an anniversary year.

• 1,000 Bonus Reward Points on completing 1 retail transaction on birthday.

• Complimentary (limited) domestic and international airport lounge access.

• Complimentary IRCTC lounge access at select railway stations across India.

•  24×7 dedicated concierge service for travel, dining and golf sessions related assistance.

• 1% fuel surcharge waiver at all fuel stations across India.

• Comprehensive insurance protection including Credit Shield cover, lost card liability protection, air accident insurance and many other travel-related insurance covers.

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