AU Small Finance Bank
AU Bank Opulence Credit Card
Best for ultra premium lifestyle
₹5,000/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹5,000/yr
Reward rate
Not published
Min. income
₹10,00,000
Forex markup
Not published
Lounge access
Yes
Eligibility
₹10 lakh/yr · CIBIL 820+
Reward cap
₹10,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- Ultra high net worth individual
- Luxury spender
What we like
- 3% on everything
- 5% on travel
- Unlimited lounge access
Watch out for
- Rs 5,000 annual fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹5,000 | Not waivable |
| Annual fee | ₹5,000 | Waived on Rs 20 lakh annual spend |
| Late payment | ₹1,200 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3.00 | ₹10,000/month | 1.00 |
| TRAVEL | 5.00 | ₹3,000/month | 1.00 |
Benefits
-
Opulence cashback Highlight
3% cashback on all purchases
-
Enhanced travel benefits Highlight
5% cashback on travel bookings
-
Unlimited lounge access Highlight
Complimentary unlimited domestic and international airport lounge access
-
Premium concierge Highlight
24/7 premium concierge service
Eligibility
- Age
- 25–60 years
- Min. income
- ₹10,00,000
- Min. credit score
- 820+
- Score note
- Excellent credit history
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR
AU Bank Opulence Credit Card is a VISA credit card from AU Bank. It is best suited for ultra premium lifestyle.
Fees and rewards
- Annual fee: Rs 5,000
- Joining fee: Rs 5,000
- Rewards: 3% cashback on all purchases; 5% on travel
Eligibility
PAN, Aadhaar, salary slips / ITR
Card data compiled from issuer published fee schedules. Status: active.
Apply for AU Bank Opulence 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
Is the AU Bank Opulence Credit Card worth it?
What is the annual fee for the AU Bank Opulence Credit Card?
How does the AU Bank Opulence Credit Card reward rate work?
What are the eligibility requirements for the AU Bank Opulence Credit Card?
Does the AU Bank Opulence Credit Card offer airport lounge access?
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