AU Traverse Credit Card for NRIs
AU Small Finance Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 1% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 99
Managed via AU Rewardz
Transfer partners
Live Offers
176 activeTJAU15Till 31 DecAU10KTill 31 DecBenefits
Lounge Access
2 domestic visits/quarter
2 international visits/quarter
Domestic and international airport lounge access.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Welcome Benefit
Flat ₹500 cashback on a minimum spend of ₹10,000.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹4,999/yr |
| Renewal Fee | ₹4,999/yr |
| Fee Waiver | Spend ₹6,00,000/year |
| Forex Markup | 0.99% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 99 |
