Fees
Annual feeINR 2,000 + GST
Joining feeINR 2,000 + GST
Renewal feeINR 2,000 + GST
Fee waiverWaived on annual retail spends of INR 3 lakh
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 35,000 - INR 50,000 per month
Income requirementSalaried: INR 50,000/month (indicative)
Credit score700
Age range21-60
Rewards & cashback
Accelerated rate4 RPs/INR 100 on select categories; 2X RPs on 1st-5th of month; accelerated on dining & grocery
Welcome bonusVouchers INR 2,000 on first spend milestone
Travel & lounge
Domestic lounge2 visits/quarter - 8/yr domestic
International lounge2 visits/quarter via Priority Pass - 8/yr international
Lounge conditions2 visits/quarter - 8/yr
ConciergeConcierge service; travel & lifestyle benefits
Lifestyle
Dining benefitsDining offers at partner restaurants
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 200/statement month
E-commerce offersN/A (Own card)
AdditionalPremium tier SwipeUp series with international lounge + concierge
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 & travel accident protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresAU 0101 App - premium card management
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