Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverWaived on annual retail spends of INR 1.5 lakh
Interest rate3.49% per month (41.88% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup2.99%
Eligibility
Min income (salaried)INR 40,000 - INR 60,000 per month
Income requirementSalaried: INR 60,000/month (indicative)
Credit score725
Age range21-60
Rewards & cashback
Accelerated rate4 RPs/INR 100 - Grocery, Dept. Stores, Utility bills; 1 RP/INR 100 - Rent, Insurance, Education, Govt; 1,000 bonus RPs on birthday (1 retail txn)
Welcome bonusVouchers INR 2,000 on min INR 30,000 retail spend within 60 days of card setup
Travel & lounge
Domestic lounge1 visit/quarter (domestic & international) on INR 50,000 prior-quarter spend (raised WEF 10-Apr-2026)
International lounge1 international airport lounge visit (complimentary, criteria apply)
Lounge conditions2 visits/quarter - 8/yr
Concierge24×7 Global Concierge service
Lifestyle
Dining benefitsDining offers at partner restaurants
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 250/statement month
E-commerce offersN/A (Own card)
AdditionalAccelerated 4X rewards on grocery, departmental & utility without brand restriction
Credit limit & EMI
Default limitINR 200000
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 - track spends, view statements, manage card
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