Fees
Annual feeINR 0 (No annual fee from 2nd year onwards)
Joining feeINR 199 + GST (one-time joining fee)
Renewal feeINR 0 (No annual fee from 2nd year onwards)
Fee waiverNo annual fee - lifetime free from 2nd year
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 markup0.99% - very low for a secured card
Eligibility
Min income (salaried)No minimum income (FD-backed secured card)
Income requirementSalaried: FD of min INR 25,000 required to secure card
Credit scoreNo minimum CIBIL required
Age rangeAge 18+; Secured against Fixed Deposit; no income proof required
Rewards & cashback
Accelerated rate2 RPs/INR 100 on all eligible retail transactions
Welcome bonusNo specific welcome benefit
Travel & lounge
Domestic lounge2 visits/quarter on INR 10,000 spend in prev. month - 8/yr domestic
International loungeNo international lounge access
Lounge conditionsSpend-based; see lounge_access for details
Lifestyle
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 100/statement month
E-commerce offersN/A (Own card)
AdditionalSecured card (FD-backed); helps build/rebuild credit score; zero annual fee from Year 2; low 0.99% forex markup
Credit limit & EMI
Default limitINR 50000
Max limitINR 500000
EMI conversionYes
Balance transferNo
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
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