Fees
Annual feeINR 299 + GST
Joining feeINR 299 + GST
Renewal feeINR 299 + 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 15,000 - INR 25,000 per month
Income requirementSalaried: INR 15,000/month (indicative)
Credit score650
Age range21-60
Rewards & cashback
Accelerated rate5 coins (reward points) on every UPI txn; Accelerated RPs on select categories
Welcome bonusSelect brand vouchers on first spend milestone
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
ConciergeUPI linked credit card rewards; contactless payments
Lifestyle
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 100/statement month
E-commerce offersN/A (Own card)
AdditionalStrong UPI-linked credit card rewards (5 coins/UPI txn); good for everyday spenders
Credit limit & EMI
Default limitINR 50000
Max limitINR 300000
EMI optionsXpress Loan: 2% processing fee; tenures 6-36 months; pre-closure 3%
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 - UPI link, track spends
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