AU Small Finance Bank Traverse Credit Card

Annual feeJoining feeRenewal fee

₹4,999 + GST₹4,999 + applicable taxes; fee waiver upon completing ₹6 Lac spends in a card anniversary year

Fee waiver rule

Enjoy an annual fee waiver on spends of ₹6 Lakhs within the same period

Add-on card fee

Additional Card Fee: Lifetime Free.

Welcome benefit

Unlock An Exclusive Welcome Gift Get a MakeMyTrip voucher worth ₹5,000.

Reward rate

4 Reward Points per ₹100 on international spends; 2 Reward Points per ₹100 on domestic spends; 1 Reward Point per ₹100 on insurance, utility & telecom payments.

Reward earning on international spends

4 Reward Points per ₹100 on international spends.

Reward exclusions

Fuel, EMI, Cash, Rent, Education & Govt. MCC Transactions Are Not Eligible For Reward Points.

Reward caps

Cardholders Can Earn A Maximum Of 100 Reward Points Per Utility & Telecom Transaction.

Domestic lounge accessInternational lounge access

Unwind during your travel with 2 Complimentary Domestic and International Airport Lounge Access per quarter.

Priority Pass

Usage of Priority Pass within India is chargeable.

Hotel or travel programme

Complimentary Airport Spa Access: De-stress with 4 airport spa accesses per year (up to 1 a quarter).

Concierge

Get end-to-end airport VIP check-in with 4 complimentary services annually (1 per quarter). To book call concierge on 1800 210 0298 (toll free) or 022-42320298.

Milestone benefits

Get a Taj voucher worth ₹10,000 on annual spends of ₹10 Lakhs in a card anniversary year. Enjoy an annual fee waiver on spends of ₹6 Lakhs within the same period. Fuel And Cash Transactions Are Not Counted Towards Milestone Spends.

Fuel surcharge waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Forex markup

0.99% on foreign currency transactions.

Cash advance fee

No fee for cash withdrawal.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Age the primary cardholder must be

18 to 75 years

Eligibility

Non-Resident Indian with an NRE banking account and an NRE FD account with AU Small Finance Bank; primary cardholder aged 18-75 years.