Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverWaived on annual spends of INR 5 lakh
Interest rate1.99% per month (23.88% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup0.99% - one of the lowest in the market
Eligibility
Min income (salaried)INR 75,000+ per month
Income requirementSalaried: INR 1.5 lakh/month (indicative, premium segment)
Credit score750
Age range21-60
Rewards & cashback
Accelerated rate2 RPs/INR 100 - Travel, Dining, International spends; 1 RP/INR 100 - all other retail; 1 RP = INR 1 (higher redemption value)
Welcome bonusLuxury brand vouchers or RPs worth INR 5,000 on card activation
Travel & lounge
Domestic lounge8 complimentary domestic airport lounge visits/yr (Dreamfolks)
International lounge16 complimentary international lounge visits/yr via Priority Pass
Lounge conditions8 railway lounge visits/yr
ConciergeComplimentary Golf rounds (select courses); Airport Meet & Assist; Marriott hotel privileges (milestone based)
Lifestyle
Dining benefitsUp to 16 free movie tickets/yr (2/month via BookMyShow); Dining discounts
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 1500000
Max limitINR 3000000
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 insurance cover
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