Cards / AU Small Finance

Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

0%

Fee waiver

No annual fee, so nothing to waive.

Recent changes

• 13 April 2026Worse for you

  Domestic lounge access needs Rs 50,000 spend in the previous calendar quarter for 2 visits.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 2.5% rewards on online, offline and UPI spends (max 10,000 points a statement cycle)

No rewards on education, fuel, insurance, international, rent, utilities, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 1 visit a year

Domestic access needs ₹50,000 spend in the previous calendar quarter

Points

Reward Points. Expire after 2 years.

Who can apply

• Age 21 to 65

Resident Indian registered on ixigo. Salaried 21 to 60 years; self-employed 25 to 65 years. Lifetime free for a limited period

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.04.

More from AU Small Finance