Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverWaived on annual retail spends of INR 80,000
Interest rate3.75% per month (45.0% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup3.49%
Eligibility
Min income (salaried)INR 25,000 - INR 35,000 per month
Income requirementSalaried: INR 15,000/month (indicative)
Credit score700
Age range21-60
Rewards & cashback
Accelerated rate1.5% cashback on offline POS retail (Max INR 100/month after which 1 RP/INR 100 applies); 1 RP/INR 100 - Utility, Telecom, Insurance; 500 bonus RPs on INR 20,000/month spend
Welcome bonusINR 500 brand vouchers on INR 10,000 retail spend within 60 days of card setup
Travel & lounge
Domestic loungeLounge access details not publicly available
International loungeNo international lounge access
Lounge conditions2 visits/quarter - 8/yr (railway lounges)
ConciergeDevice Protection Plan - 1 yr screen protection (mobiles/tablets); Extended warranty on white goods
Lifestyle
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 150/statement month
E-commerce offersN/A (Own card)
AdditionalRuPay variant supports UPI credit payments
Credit limit & EMI
Default limitINR 100000
Max limitINR 500000
EMI optionsXpress Loan: 2% processing fee; tenures 6-36 months; pre-closure 3%
EMI conversionYes
Balance transferYes
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Coverage detailsCard counterfeit/skimming & online fraud protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresAU 0101 App - track spends, view statements
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available