Fees
Annual feeINR 7,999 + GST
Joining feeINR 7,999 + GST
Renewal feeINR 7,999 + GST
Fee waiverWaived on annual spends of INR 5 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 markup1.99%
Eligibility
Min income (salaried)INR 75,000+ per month
Income requirementSalaried: INR 1.2 lakh/month (indicative)
Credit score750
Age range21-60
Rewards & cashback
Accelerated rate20 RPs/INR 100 - Dining (standalone); 10 RPs/INR 100 - Grocery, Dept. Stores, International; 1 RP/INR 100 - Utility & Telecom; 2,500 bonus RPs on birthday (1 retail txn)
Welcome bonusVouchers INR 1,000 on 1st POS retail txn; 10,000 bonus RPs on INR 1 lakh retail spend within 60 days
Travel & lounge
Domestic lounge2 visits/quarter on INR 50,000 prior-quarter spend (raised from INR 20,000, WEF 10-Apr-2026)
International lounge2 visits/quarter via Priority Pass - 8/yr international
Lounge conditions2 visits/quarter for primary + add-on cardholders
Concierge24×7 Global Concierge (1800-210-0298); Golf sessions access
Lifestyle
Dining benefitsEnhanced rewards at standalone dining restaurants
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 1,000/statement month
E-commerce offersN/A (Own card)
AdditionalQuarterly milestone discontinued: ₹1,000 brand voucher on ₹2L quarterly spend (removed Jan 1, 2026). Annual milestone discontinued: Taj Epicure membership on ₹8L anniversary-year spend (removed Jan 1, 2026). Vouchers now need to be verified with issuer for any active milestone programme.
Credit limit & EMI
Default limitINR 500000
Max limitINR 2500000
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