Everyday Lifestyle Credit Card with 3 Points on Dining & Fashion
Young professionals, weekend diners, and apparel shoppers seeking accelerated points on lifestyle spending with an accessible ₹1 Lakh fee waiver.
₹2,000
One-time upfront₹2,000
Waived on ₹1 lakh annual spend2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Ananta Credit Card is crafted to deliver practical, unpretentious rewards for middle-affluent consumers who spend actively on weekend dining, retail apparel, and entertainment. Priced at ₹2,000 plus GST, it welcomes new cardholders with ₹1,000 in shopping vouchers upon spending ₹20,000 within the first 60 days of card setup. The card rewards everyday urban recreation: cardholders earn 3 reward points per ₹100 spent on restaurant dining and retail fashion purchases (delivering a 0.75% value return, where 1 point = ₹0.25). All other retail spending earns 1.5 reward points per ₹100. Accumulated points can be redeemed for gift cards, travel bookings, or merchandise via the AU Rewardz portal. Cardholders also enjoy 1 complimentary domestic airport lounge access per calendar quarter upon spending ₹15,000 in the previous calendar quarter, Buy 1 Get 1 free movie tickets on BookMyShow up to ₹100 once a month, and a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹200/month). The annual fee is completely waived upon achieving annual retail spending of ₹1,00,000. For upwardly mobile professionals seeking a balanced lifestyle card, AU Ananta provides reliable value.
Earn 5 Reward Points Per ₹100 on Shopping, Dining & Travel Spends, 2 Reward Points Per ₹100 on Other Retail Spends, and 1 Reward Point Per ₹100 on Insurance, Utility & Telecom Spends
8,000 Reward Points on Card Activation
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, Travel & Retail Shopping | 5 Reward Points per ₹100 spent on dining, travel, and shopping (1.25% return) | 5,000 Reward Points/mo | Standard terms apply |
| General Spends | 4 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining, Travel & Retail Shopping | ₹12,000 | 5 Reward Points per ₹100 spent on dining, travel, and shopping (1.25% return) | — | ₹5,000/monthly | Calculating... | Under cap |
| General Spends | ₹18,000 | 4 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹2,000 + GST; Annual Renewal Fee: ₹2,000 + GST. • Annual Fee Waiver: Spend ₹1,00,000 or more in an anniversary year to waive the ₹2,000 renewal fee. • Welcome Benefit: ₹1,000 brand vouchers upon spending ₹20,000 within the first 60 days of card issuance. • Lifestyle Rewards: 3 reward points per ₹100 spent on dining and retail fashion apparel. • General Rewards: 1.5 reward points per ₹100 on all other retail transactions. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per quarter (spend ₹15,000 in previous quarter). • Movie Privileges: Buy 1 Get 1 free movie ticket on BookMyShow up to ₹100 once per calendar month. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹200 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹2,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Ananta Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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