Global Travel & 0% Forex Nomad — 24 Airport Lounges, 0% Forex Markup & AU Travel Multipliers
Global travelers, international business travelers, and study-abroad families seeking zero foreign currency transaction fees paired with extensive domestic and international lounge visits.
₹4,999
One-time upfront₹4,999
Waived on ₹5 lakh annual spend2 Reward Points per ₹100 spent domestically (0.5% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter + 8 International visits/year · ₹50k quarterly spend required (Domestic)
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Bank Traverse Credit Card is a modern, high-performance international travel credit card launched by AU Small Finance Bank to cater to globetrotters, international business travelers, and cross-border digital spenders. Priced at an **annual fee of ₹4,999 + GST** (waived on spending ₹5,00,000 annually), Traverse delivers instant value through a welcome gift of **travel vouchers or reward points worth ₹5,000** upon completing retail spends of ₹20,000 within 60 days of card setup. The defining feature of the Traverse Credit Card is its **0.00% Zero Forex Markup** on all international transactions. While most mainstream credit cards levy a punishing 3.5% foreign currency fee, Traverse cardholders travel abroad, pay hotel bills, and book foreign experiences with zero markup penalties. International and domestic travel comfort is supported by **24 complimentary airport lounge visits per year**: 16 complimentary domestic airport lounge visits (4 per quarter) and **8 complimentary international airport lounge visits per year via Priority Pass (2 per quarter)**. Accelerated reward multipliers further sweeten the travel proposition: cardholders earn **8 Reward Points per ₹100 spent on flight and hotel bookings** via the AU Travel portal, **4 Reward Points per ₹100 on all international spending**, and 2 Reward Points per ₹100 on domestic retail purchases. Cardholders also receive 4 complimentary golf games or coaching lessons per year. For frequent international flyers who want a zero-forex card without needing an ultra-wealth private banking portfolio, the AU Bank Traverse Credit Card is one of the most compelling travel cards in India.
4 RPs/₹100 Spent on International Spends, 2 RPs/₹100 Spent on Domestic Spends, and 1 RP/₹100 Spent on Insurance, Utility & Telecom Spends
MakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International & Travel Spends | 4 Reward Points per ₹100 spent internationally and on travel bookings (1.0% return) | 5,000 Reward Points / statement cycle | Standard terms apply |
| General Spends | 3 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 |
|---|---|---|---|---|---|---|
| International & Travel Spends | ₹12,000 | 4 Reward Points per ₹100 spent internationally and on travel bookings (1.0% return) | — | ₹5,000/statement_cycle | Calculating... | Under cap |
| General Spends | ₹18,000 | 3 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-₹4,999
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: ₹4,999 + GST (Welcome benefit of travel/hotel voucher worth ₹5,000 upon spending ₹20,000 within 60 days of card setup). • Annual Renewal Fee: ₹4,999 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving annual retail spend of ₹5,00,000 in the preceding membership year. • Foreign Currency Markup: 0.00% (Zero foreign currency markup on all international transactions abroad and cross-border e-commerce). • Domestic Airport Lounge Access: 16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). • International Airport Lounge Access: 8 complimentary international airport lounge visits per calendar year via Priority Pass (2 visits per calendar quarter). • Travel Multipliers: 8 Reward Points per ₹100 spent on flight and hotel bookings made via AU Travel portal (approx 2% to 4% value back). • International Spends: 4 Reward Points per ₹100 spent on all international retail and overseas dining transactions. • Base Domestic Rewards: 2 Reward Points per ₹100 on regular domestic retail spends. • Golf Privileges: 4 complimentary golf games or coaching lessons per calendar year. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (capped at ₹250 per statement cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 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 Bank Traverse Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official AU Small Finance Bank portal with paperless verification.
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Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
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Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge access: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
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Best for: High-spending professionals, executive travelers, and golf enthusiasts looking for non-expiring reward points and international lounge visits.
Rewards: 10X on spends above ₹20,000/month; 5X on retail below ₹20,000
Lounge access: 2 Domestic visits/quarter + 8 International visits/year · ₹20k monthly spend required (Domestic)
Forex markup: 0% (Zero Forex)
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