Movie & Dining

N/A

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%)

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

Travel

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

Golf

N/A

Domestic Lounge Access

1 per quarter under Visa domestic lounge program

International Lounge Access

1 per quarter with Priority Pass membership

Insurance Benefits

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

Zero Liability Protection

Cardholder not liable for any fraudulent transaction with the card post reporting the loss of card to the bank

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

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

2.99% of the transaction amount

Interest Rates

2.99% per month (35.88% annually)

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)

Cash Advance Charges

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

Add-on Card Fee

Nil