Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime Free
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)Business income documentation required
Income requirementSalaried: INR 25,000/month (indicative for business owners)
Credit score700
Age range21-60
Rewards & cashback
Accelerated rate2% cashback on business utility payments; Accelerated cashback on select merchant categories
Welcome bonusNo specific welcome benefit
Travel & lounge
Domestic lounge2 visits/quarter - 8/yr (railway lounges only)
International loungeNo international lounge access
Lounge conditions2 visits/quarter - 8/yr
Concierge30% discount on dining bills (select restaurants); Business spend tracking
Lifestyle
Dining benefits30% off on dining at partner outlets
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 200/statement month (INR 2,400/yr saving)
E-commerce offersN/A (Own card; targeted at business owners)
AdditionalLifetime free business card with dining benefits; save INR 2,400/yr on fuel
Credit limit & EMI
Default limitINR 100000
Max limitINR 1000000
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 - business spend tracking
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