Fees
Annual feeINR 249 + GST
Joining feeINR 249 + GST
Renewal feeINR 249 + GST
Fee waiverWaived on annual retail spends of INR 60,000
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 rate2 RPs/INR 100 on retail; 2X RPs on purchases made between 1st-5th of every month
Welcome bonusNo specific welcome benefit
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)
Lifestyle
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 200/statement month
E-commerce offersN/A (Own card)
AdditionalDouble rewards on 1st-5th of every month; entry-level SwipeUp series
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
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