AU Ananta Credit Card
AU Ananta targets accelerated earning on the categories people actually spend on most — 5 reward points per ₹100 on shopping, dining and travel, shared under a 5,000-point cap per statement cycle, and 2 points per ₹100 on other retail spends. New cardholders get 8,000 bonus reward points just for activating the card and making a first transaction within 30 days, which goes a long way toward offsetting the joining fee. A four-step milestone ladder then adds up to 50,000 bonus points across the card's anniversary year, starting from ₹2.5 lakh of cumulative spend. Rounding things out are a 15% instant discount at Amazon Fashion, District dining and AU Rewardz hotel bookings (capped at ₹500 per merchant a month), domestic lounge access, and a 1% fuel surcharge waiver. The ₹2,000 annual fee waives once you cross ₹3,00,000 of retail spend in a year.
Key features
The highlights that define this card.
Welcome Benefit
Around ₹2,000 in bonus reward points on activation
1.25% on Online Shopping
5 reward points per ₹100 on shopping — the 5,000-point statement-cycle cap is shared across shopping, dining and travel
1.25% on Dining
5 reward points per ₹100 on dining, under the same shared cap
️ Airport Lounge Access
4 complimentary domestic visits per quarter, unlocked via an AU Rewardz flight booking
Annual Fee Waiver
₹2,000 + 18% GST (₹2,360 all-in) fee waived once you spend ₹3,00,000 in a year
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 1.25% | ₹1,250 |
| Dining | reward points | 1.25% | ₹1,250 |
| Travel | reward points | 1.25% | ₹1,250 |
| Other | reward points | 0.5% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,360 |
| Joining fee (incl. 18% GST) | ₹2,360 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹200 |
Perks & benefits
Non-reward value adds up to roughly ₹17,700 a year.
️ Lounge access ~₹4,000/yr
4 complimentary domestic lounge visits per quarter, unlocked by booking a ₹5,000+ flight via AU Rewardz that quarter.
Milestone bonus ~₹1,250/yr
5,000 bonus reward points at ₹2.5 lakh of cumulative anniversary-year spend — the first rung of AU's milestone ladder.
Milestone bonus ~₹2,500/yr
A further 10,000 bonus reward points at ₹5 lakh of cumulative spend.
Milestone bonus ~₹3,750/yr and ~₹5,000/yr
Additional tiers at ₹7.5 lakh and ₹10 lakh of cumulative spend, completing the ladder.
Milestone ladder
₹2,50,000/yr → ₹1,250 of value ₹5,00,000/yr → ₹2,500 of value ₹7,50,000/yr → ₹3,750 of value ₹10,00,000/yr → ₹5,000 of value
Should you get it?
Best for: shoppers who spend heavily on shopping, dining and travel, and points-first users who want category acceleration on those specific spends.
A mid-tier card, well suited to steady monthly spenders.
Frequent travellers benefit from the included airport lounge access, subject to the AU Rewardz booking condition.
✓ Pros
- 5 points per ₹100 on shopping, dining and travel, plus a solid 2-point base rate elsewhere
- The 8,000-point welcome bonus offsets most of the first year's fee
- Milestone ladder starts paying out from ₹2.5 lakh of annual spend
- 15% instant discount at Amazon Fashion, District dining and AU Rewardz hotel bookings
✕ Cons
- Accelerated earn is capped at a shared 5,000 points per statement cycle
- The full 50,000-point milestone ladder requires ₹10 lakh of annual spend to complete
- Lounge access only unlocks with a qualifying AU Rewardz flight booking each quarter
Eligibility & documents
Age
21–65 years
Employment
type: Salaried · Self-employed
Minimum income ₹25,000/month
Documents required
- PAN card
- Aadhaar or other valid address proof
- Bank statements for the last 3 months
- Income proof — salary slips for salaried applicants, ITR for self-employed
- Recent passport-size photograph
How to redeem rewards
Ways to turn points into value.
🎁 Online rewards catalogue for vouchers and merchandise
🎁 Flight and hotel bookings through the issuer's rewards portal
🎁 Direct statement credit or cashback adjustment
What your AU Reward Points are worth
Realistic per-point value across redemption routes. Statement credit (standard redemption): ₹0.25/pt Gift voucher catalogue (brand & e-gift vouchers): ₹0.25/pt The catch: value concentrates heavily in shopping, dining and travel, the accelerated rate is capped at a shared 5,000 points per cycle, and the full 50,000-point milestone ladder needs ₹10 lakh of annual spend — realistically only the earlier tiers are within reach for most cardholders.
The bottom line
A strong category-earner relative to its fee. At roughly ₹0.25 per point, 5 points per ₹100 on shopping, dining and travel works out to about 1.25% back on the spending most cardholders actually do, and the 8,000-point welcome bonus covers much of the first-year cost. The 2-points-per-₹100 base rate elsewhere is respectable, and the milestone ladder starts paying off from ₹2.5 lakh of annual spend.
Frequently asked questions
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