AU Bank Traverse Credit Card
AU Small Finance Bank
Annual Fee
₹4,999
Joining Fee
₹4,999 + GST
Base Reward
1% points
Foreign Markup
0.99%
Fee Waiver
Waived on Spending ₹6 Lakh in a Year
Interest Rate
3.75% per month
Welcome Benefits
MakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days
Product Highlights
- Premium lifestyle and travel credit card
- Low forex markup of 0.99%
- Complimentary domestic & international lounge access
- Milestone Taj voucher
Rewards
4 Reward Points per ₹100 on International Spends, 2 Reward Points per ₹100 on Domestic Spends, and 1 Reward Point per ₹100 on Insurance, Utility & Telecom Spends.
Redemption
Redeem Reward Points at AU Rewardz Portal
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 4%(4 Reward Points per ₹100 on International Spends) | No cap |
other | 2%(2 Reward Points per ₹100 on Domestic Spends) | No cap |
utilities | 1%(1 Reward Point per ₹100 on Insurance, Utility & Telecom Spends) | No cap |
Benefits & Features
Domestic: 8 Free Visits Per Year, Limited to 2 per Quarter (Powered by DreamFolks) (Spend at least ₹20,000 in a single calendar quarter) International: 8 Complimentary Visits Per Year, Max 2 per Quarter (Powered by Priority Pass) Cardholders must spend at least ₹20,000 in a single calendar quarter to qualify for free domestic airport lounge access.
Fees & Charges
Eligibility
Available Networks
Pros & Cons
Pros
- Low forex markup of 0.99%
- Complimentary lounge access (domestic & international)
- No cash advance charges
Cons
- Domestic lounge access requires a quarterly spend of ₹20,000
- No golf or insurance coverage
Additional Info
Important note 1
Note 2
Maximum of 25,000 Reward Points per statement cycle.