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Ananta Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Premium

Annual Fee

₹2000

Base Rate

2.0%

Reward Type

Points

Overview

The Ananta Credit Card is a Premium credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹2,000
Eligibility: Salaried: 21-60 years, Self-Employed: 25-65 years. CIBIL score of 700+ recommended.

Reward Rates & Cashback Rules

  • CATEGORY – Shopping: 5.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
  • CATEGORY – Dining: 5.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
  • CATEGORY – Travel: 5.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn) ⚠️ Maximum 100 Reward Points per transaction.
  • CATEGORY – Telecom: 1.0% cashback (capped ₹25.0/txn) ⚠️ Maximum 100 Reward Points per transaction.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback ⚠️ A 1% processing fee is applicable from the second rental transaction onwards in a calendar month.
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet: 0.0% cashback ⚠️ Includes quasi-cash transactions.

Key Features & Benefits

  • Welcome Benefit 🎁: 8,000 Bonus Reward Points on card activation and first successful transaction within 30 days of card issuance.
  • Milestone Benefits 🏆: Earn up to 50,000 bonus reward points annually on spends from ₹2.5 Lakhs to ₹10 Lakhs.
  • Domestic Lounge Access ✈️: 16 complimentary domestic airport lounge visits annually, accessible via AU Rewardz.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per statement cycle.
  • Comprehensive Protection 🛡️: Includes travel insurance, card liability cover, and purchase protection.

Eligibility Criteria

Salaried: 21-60 years, Self-Employed: 25-65 years. CIBIL score of 700+ recommended.

Features & Benefits

🎁

Welcome Benefit

8,000 Bonus Reward Points on card activation and first successful transaction within 30 days of card issuance.

🏆

Milestone Benefits

Earn up to 50,000 bonus reward points annually on spends from ₹2.5 Lakhs to ₹10 Lakhs.

✈️

Domestic Lounge Access

16 complimentary domestic airport lounge visits annually, accessible via AU Rewardz.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per statement cycle.

🛡️

Comprehensive Protection

Includes travel insurance, card liability cover, and purchase protection.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Shopping
Reward: 5.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
5%
Dining
Reward: 5.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
5%
Travel
Reward: 5.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Monthly cap of 5,000 points (₹1250) is shared across Shopping, Dining, and Travel.
5%
Insurance
Reward: 1.0%
1%
Utilities
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Maximum 100 Reward Points per transaction.
1%
Telecom
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Maximum 100 Reward Points per transaction.
1%
Fuel Exclusion
Rent Exclusion
⚠️ Exceptions: A 1% processing fee is applicable from the second rental transaction onwards in a calendar month.
Education Exclusion
Government Exclusion
EMI Exclusion
Wallet Exclusion
⚠️ Exceptions: Includes quasi-cash transactions.

Value Chart

Assuming basic spends for Ananta Credit Card

Category Ananta Credit Card Axis Bank Atlas Credit Card Miles & More World Select Credit Card BOBCARD Eterna Credit Card
₹
Joining Fee 		₹2000 ₹0 ₹0 ₹0
₹
Annual Fee 		₹2000
Waived on spending ₹3,00,000 or more in the previous card anniversary year.
 ₹5000 ₹4500 ₹2499
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 2.0% 3.0% 3.0%
★
Known Rules 		12 rules 11 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Shopping — 5.0% Points (cap ₹1250.0)
  • + Dining — 5.0% Points (cap ₹1250.0)
  • + Travel — 5.0% Points (cap ₹1250.0)
  • + Insurance — 1.0% Points
  • + Utilities — 1.0% Points
  • + Welcome Benefit
  • + Milestone Benefits
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent — A 1% processing fee is applicable from the second rental tra
  • − No reward on Education
  • − No reward on Government
  • −Forex markup of 3.49% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹2000

Net Value

+₹4000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹2,000 + GST. This fee can be waived by spending ₹3,00,000 or more in the previous card anniversary year.

1 Reward Point is equal to ₹0.25. Points can be redeemed on the AU Rewardz platform for various options.

You earn 5 Reward Points per ₹100 spent on Shopping, Dining, and Travel. This is subject to a combined monthly cap of 5,000 points (worth ₹1,250).

Yes, no reward points are earned on Fuel, Rent, Education, Government, EMI, Cash, BBPS, Transportation, and Quasi-cash (wallet load) transactions.

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