"AU Bank's flagship metal card โ 16 domestic plus 16 international lounge visits, 0.99% forex markup, Taj Epicure membership and โน5,000 welcome benefit"
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Quick Summary
๐ณ Joining Fee
โน4,999 + GST
๐ Renewal Fee
โน4,999 + GST
Waived: Annual fee waived on net retail spends of โน8 lakh or more in the previous card anniversary year
๐ฏ Best Suited For
Frequent domestic and international travellers wanting strong lounge access (16+16 visits per year), ultra-low forex markup (0.99%), Taj dining benefits and premium insurance โ strong alternative to SBI Elite or HDFC Regalia Gold
๐ Reward Type
Reward Points (1 RP = โน1 for most redemptions โ much higher than typical โน0.25 per RP on most Indian cards)
๐ Welcome Benefit
Choose from luxury brand vouchers OR 5,000 Reward Points worth โน5,000 on card activation
๐ฐ Reward Rate
2 RPs per โน100 on dining, travel and international spends (2% effective); 1 RP per โน100 on all other eligible retail spends (1%); 1,000 bonus RPs on monthly retail spend of โน75,000+; excludes cash, fuel, EMI, government, rent, insurance
โ๏ธ Lounge Access
16 complimentary domestic airport lounge accesses per year (4 per quarter) via DreamFolks network; 16 complimentary international airport lounge accesses per year (4 per quarter) via Priority Pass; 4 complimentary airport Meet and Assist Concierge services per year (1 per quarter)
๐ฑ Forex Markup
0.99% โ one of the lowest in India for any premium card
0.99% forex markup โ among India's lowest for any premium card
16 domestic plus 16 international lounge visits per year โ outstanding value
1 RP = โน1 โ best reward redemption value in this fee range
โน5,000 welcome voucher or points offsets first year fee
Taj Epicure dining privileges on spend milestone
16 BOGO movies per year via BookMyShow
Air accident cover โน2 crore
Fuel waiver cap โน1,000 per month (โน12,000 per year)
Low interest rate 1.99% per month
โ Cons
Smaller banking network vs HDFC, SBI and Axis
Renewal fee waiver requires high โน8L annual spend
Base reward rate 1% on non-accelerated spends is average
Taj Epicure requires spend milestone to unlock
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน1 for most redemptions โ much higher than typical โน0.25 per RP on most Indian cards)
Welcome Benefits
Choose from luxury brand vouchers OR 5,000 Reward Points worth โน5,000 on card activation
Reward Rate
2 RPs per โน100 on dining, travel and international spends (2% effective); 1 RP per โน100 on all other eligible retail spends (1%); 1,000 bonus RPs on monthly retail spend of โน75,000+; excludes cash, fuel, EMI, government, rent, insurance
Reward Redemption
AU Small Finance Bank rewards platform: merchandise, gift vouchers, cashback at 1 RP = โน1; flights and hotels via rewards portal; RPs valid 3 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โน400 to โน5,000; maximum โน1,000 per statement cycle โ significantly higher cap than most cards
Lounge Access
16 complimentary domestic airport lounge accesses per year (4 per quarter) via DreamFolks network; 16 complimentary international airport lounge accesses per year (4 per quarter) via Priority Pass; 4 complimentary airport Meet and Assist Concierge services per year (1 per quarter)
Spend Based Fee Waiver
Annual fee waived on โน8 lakh annual retail spend
Milestone Benefits
1,000 bonus RPs on spending โน75,000+ per statement cycle; complimentary Taj Epicure Plus Membership on meeting annual spend milestone; 16 free BOGO movie tickets per year (4 per quarter) via BookMyShow (up to โน500 per ticket); annual fee waiver on โน8L spend
Other Benefits
Taj Epicure Plus membership (dining privileges and discounts at Taj group hotels) on spend milestone; 16 free BOGO movies per year via BookMyShow; airport Meet and Assist 4 times per year; complimentary device protection insurance; 24x7 global concierge; air accident cover โน2 crore; card liability โน15 lakh; purchase protection โน50,000; travel inconvenience covers (flight delay, baggage loss, passport loss)
โจ Special Perks & Exclusive Offers
Memberships
Taj Epicure Plus (on spend milestone); Priority Pass (16 international visits per year)
24x7 global concierge: 1800 210 0298 (toll-free) or 022-42320298; airport Meet and Assist 4 times per year
Special Offers
0.99% forex markup; 16 domestic plus 16 international lounge visits; Taj Epicure on spend milestone; 16 BOGO movies per year; โน2 crore air accident; โน1,000 per month fuel waiver cap
๐ณ Fees & Interest Rates
Joining Fee
โน4,999 + GST
Annual Fee / Renewal Fee
โน4,999 + GST โ Waived on: Annual fee waived on net retail spends of โน8 lakh or more in the previous card anniversary year
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
1.99% per month (23.88% per annum) โ low for a premium card
ATM Cash Withdrawal / Cash Advance
No flat cash advance fee โ interest applies from day 1 on cash advances as per AU Bank terms
Late Payment Charges
As per AU Bank prevailing slab
Over Limit Charges
As per AU Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
0.99% โ one of the lowest in India for any premium card
Other Charges
1 RP = โน1 redemption โ excellent; RPs valid 3 years; Taj Epicure requires spend milestone; DreamFolks network for domestic; Priority Pass for international; fee waiver requires โน8L annual spend
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21 to 60 years; minimum net monthly income โน2.5 lakh; Indian resident; strong credit history; 750+ CIBIL
Credit Score Requirement
750+ CIBIL recommended
Credit Limit
High credit limit based on income and AU Bank assessment
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Xpress EMI on transactions above โน2,000; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per AU Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via AU 0101 mobile app or customer care
Instant Fraud Alerts
Real-time alerts; dedicated monitoring
Purchase Protection
Purchase protection โน50,000; device protection included
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Card liability โน15 lakh; zero unauthorized transaction liability after reporting
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