AU Small Finance Bank
AU Ananta Prime Credit Card
Premium Mastercard World with unlimited lounge access and luxury privileges
₹10,000/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
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Best for
- Premium cardholder
- Frequent international traveller
-
What we like
- Unlimited domestic + international lounge access
- Mastercard World tier privileges globally
- Up to 4 complimentary golf games per quarter
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Watch out for
- ₹10,000 non-waiver joining fee
- Spend threshold of ₹10 lakh/year required to waive annual fee
- Smaller bank with limited network
Annual fee
₹10,000/yr
Reward rate
5x
Min. income
₹15,00,000
Forex markup
2%
Lounge access
Yes
Eligibility
₹15 lakh/yr · CIBIL 750+
Reward cap
Not explicitly stated
Welcome benefit
₹5,000 luxury voucher on annual spends ≥ ₹5,00,000; ₹10,000 voucher on ≥ ₹10,00,000.
AU Ananta Prime Credit Card review: premium Mastercard World with unlimited domestic + international lounge access, luxury hotel privileges, milestone vouchers, and welcome benefits for ultra-premium cardholders.
Who is this for
- Premium cardholder
- Frequent international traveller
What we like
- Unlimited domestic + international lounge access
- Mastercard World tier privileges globally
- Up to 4 complimentary golf games per quarter
Watch out for
- ₹10,000 non-waiver joining fee
- Spend threshold of ₹10 lakh/year required to waive annual fee
- Smaller bank with limited network
Issuer
AU Small Finance Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹10,000 | Not waivable |
| Annual fee | ₹10,000 | Waived on annual spends ≥ ₹10,00,000 |
| Renewal fee | ₹10,000 | Waived on annual spends ≥ ₹10,00,000 |
| Forex markup | 2% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5 Reward Points per ₹100 on international spend; 3 Reward Points per ₹100 on domestic retail; 2 Reward Points per ₹10… | Not explicitly stated | Redeemable via AU Bank rewards portal; air miles conversion to partner airlines |
| TRAVEL | 5.00 | — | 0.50 |
| DINING | 3.00 | — | 0.50 |
Benefits
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Unlimited Lounge Access Highlight
Unlimited complimentary domestic + international airport lounge access for primary cardholder.
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Mastercard World Tier Privileges Highlight
Mastercard World tier privileges globally — luxury hotel benefits, late checkout, room upgrades.
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Complimentary Golf Games
Up to 4 complimentary golf games per quarter at premium courses.
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Lower Forex Markup
2% forex markup (down from 3.5%) on international spends.
-
Milestone Vouchers
₹5,000 luxury voucher on annual spends ≥ ₹5,00,000; ₹10,000 voucher on ≥ ₹10,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹15,00,000
- Min. credit score
- 750+
- Score note
- Good to excellent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
AU Ananta Prime Credit Card is the premium Mastercard World tier from AU Small Finance Bank. It targets ultra-premium spenders with unlimited lounge access and luxury privileges.
Fees and rewards
- Joining fee: ₹10,000 (non-waiver)
- Annual fee: ₹10,000, waived on annual spends ≥ ₹10,00,000
- Rewards: 5 Reward Points per ₹100 on international; 3 Reward Points per ₹100 on domestic
- Forex markup: 2%
Premium benefits
- Unlimited domestic + international lounge access
- Mastercard World tier privileges globally
- Up to 4 complimentary golf games per quarter
- ₹5,000 milestone voucher on ₹5 lakh spend; ₹10,000 on ₹10 lakh
- 2% reduced forex markup
Eligibility
Minimum annual income ₹15,00,000 (salaried) / ITR-based for self-employed. Good to excellent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the AU Ananta Prime Credit Card apply walkthrough →
Apply for AU Ananta Prime Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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