Cards / AU Small Finance

Joining fee

₹1,000

Annual fee

₹1,000

Waiver spend

₹2,00,000

Forex markup

3.49%

Fee waiver

Spend ₹2,00,000 in a card year and the next annual fee is waived. Spends on education, fuel, rent, wallet loads do not count.

That is about ₹16,667 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 1 point per ₹100 on insurance, utilities and telecom
• 5 points per ₹100 on groceries and department stores (max 1,000 points a cycle)
• 2 points per ₹100 on other retail spends

No rewards on education, fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter

Needs ₹50,000 spend in the previous quarter

Points

Reward Points, worth about ₹0.2 each on the usual redemption.

Who can apply

• Age 21 to 65

Salaried: 21 to 60 years. Self-employed: 25 to 65 years.

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.

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