AU Traverse Credit Card
AU Traverse is a premium travel card, but with one important restriction — it's issued only to Non-Resident Indians. Everything about it is oriented toward cross-border spending: a 0.99% forex markup on international transactions, two complimentary domestic and international airport lounge visits every quarter, Meet & Assist and spa access at airports (four uses each per year), a ₹5,000 MakeMyTrip voucher as a welcome perk, reward points on both international and domestic spends, a flat ₹500 cashback on duty-free purchases of ₹10,000 or more, and a 1% fuel surcharge waiver capped at ₹250. The ₹4,999 annual fee is waived if you spend ₹6 lakh in your card anniversary year. Because eligibility is limited to NRIs, resident Indians simply cannot apply for it.
Key features
The main things worth knowing about this card.
Welcome Benefit
~₹5,000 in vouchers, points or cashback on card activation
1% on International
4 reward points per ₹100 on international spends (~1%), with a low 0.99% forex markup
0.5% on Other
2 reward points per ₹100 on domestic spends (~0.5%); fuel, EMI, cash, rent, education and government transactions are excluded
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹4,999 + 18% GST (₹5,899 all-in)/yr fully waived when you spend ₹6,00,000/year
24x7 Concierge
4 complimentary airport Meet & Assist services per year (1 per quarter) — end-to-end VIP check-in, booked via the concierge line
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Milestone Bonus
~₹250 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 1% | — |
| Other | reward points | 0.5% | — |
| Utility Bills | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹5,899 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
The non-reward perks add up to roughly ₹27,250 in annual value.
️ lounge access ~ ₹12,000 /yr
2 complimentary domestic and international airport lounge visits per quarter
milestone bonus ~ ₹250 /yr
Flat ₹500 cashback on duty-free shopping spends of ₹10,000 or more — a duty-free purchase benefit, not a general spend milestone
concierge ~ ₹2,000 /yr
4 complimentary airport Meet & Assist services per year (1 per quarter) — end-to-end VIP check-in, booked via the concierge line
concierge ~ ₹2,000 /yr
4 complimentary airport spa accesses per year (up to 1 a quarter)
milestone bonus ~ ₹10,000 /yr
₹10,000 Taj Hotels voucher on ₹10 lakh of spend in a card anniversary year (fuel and cash transactions are not counted towards this milestone)
fuel waiver ~ ₹1,000 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹250 per cycle
Milestone ladder
- 1₹10,000 a year₹250 of value
- 2₹10,00,000 a year₹10,000 of value
Should you get it?
Best for: Non-Resident Indians who spend across borders, Globally mobile travellers wanting low forex and lounges
Premium tier — well suited to consistent monthly spenders.
You'll see the most value if international spending makes up a large share of your budget (1% back).
Frequent flyers get real added value from the included airport lounge access.
✓ Pros
- 0.99% forex markup keeps cross-border spending cheap
- Lounge access covers both domestic and international airports, 2 visits each per quarter
- ₹5,000 MakeMyTrip voucher as a welcome perk
- Four airport Meet & Assist uses and four spa visits annually
- No fee on cash withdrawals, though interest still accrues from the withdrawal date
✕ Cons
- Only Non-Resident Indians can apply — resident applicants are excluded
- ₹4,999 fee applies unless you cross ₹6 lakh in annual spend
- The base reward rate is unremarkable; most of the value sits in forex savings and lounge access
- Priority Pass visits used within India carry a charge (roughly $35 plus taxes per visit), as do any visits beyond your free quota
Eligibility & documents
Age
18 –75 years
Min. income
₹1,00,000 /mo
Employment
Salaried · Self-employed · Other
Documents required
- Passport and valid visa / NRI status proof
- PAN card or Form 60
- NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank
- Overseas / Indian address proof
How to redeem rewards
The ways you can turn accumulated points into usable value.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
A practical look at what a point is really worth depending on the redemption path — the difference between routes is value most cardholders never capture.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Only NRIs can hold this card — resident applicants are shut out entirely — and the ₹4,999 fee is a real cost unless your annual spend clears ₹6 lakh.
The bottom line
A travel card built with one specific customer in mind. For a globally mobile NRI, the 0.99% forex markup and international lounge access do most of the heavy lifting, and the MakeMyTrip welcome voucher chips away at the fee. Its NRI-only eligibility keeps it outside the mainstream resident card lineup entirely — a great fit if you qualify, and simply not an option if you don't.
Sources & verification
Fee, reward-rate, and benefit information for the AU Traverse Credit Card is sourced from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last verified 7 Aug 2026. Reviewed by the SarvCred Editorial Team. Always confirm the latest details directly with the issuer before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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