AU Bank Traverse Credit Card

The AU Bank Traverse Credit Card is a premium-travel and lifestyle card from AU Small Finance Bank, designed exclusively for Non-Resident Indians (NRIs). It aims to provide extensive global travel perks — such as low forex conversion fees, lounge and spa access, duty-free shopping benefits, and milestone rewards — tailored for frequent travellers and international spenders

AU Bank Traverse Credit Card

Joining Fees	₹ 4,999 + GST
Annual Fees	₹ 4,999 + GST
Card Type	Cashback, Travel
Network Type	Rupay

Rewards & Benifits

4 Reward Points per ₹100 on International spends
2 Reward Points per ₹100 on Domestic spends
1 Reward Point per ₹100 on Insurance, Utility & Telecom spends (with cap per transaction)
Flat ₹500 cashback on minimum ₹10,000 spend at Duty-Free Stores per statement cycle
Complimentary lounge access — 8 Domestic + 8 International lounge visits per year (up to 2 each per quarter)
Complimentary

Fees & Charges

Joining / Annual Fee: ₹ 4,999 + GST
Annual Fee Waiver: Waived if annual spends reach ₹6,00,000 in a card anniversary year
Cash Withdrawal / Cash Advance Fee: Nil (zero cash withdrawal fee globally)
Note: Fuel and cash withdrawals not eligible for milestone spends or rewards

Card Details

Designed exclusively for NRIs — requires linked NRE account and NRE fixed deposit with AU Bank
Low Forex Mark-up fee (0.99%) on international spends
Travel benefits: domestic & international lounge access, airport spa, VIP “Meet & Assist” check-in
Duty-free shopping cashback benefit
Reward points on international and domestic spends, and select utility/telecom/insurance spends
Fuel surcharge waiver on eligible fuel transactions in India
Milestone benefit: ₹10,000 voucher (at select hotels) on annual spends of ₹10,00,000 in a card anniversary year
Annual fee waiver if spending criteria (₹6,00,000) met in the anniversary year

Pros & Cons

Excellent for frequent international travellers — low forex fee and global lounge/spa access
Reward points on both international and domestic spends
Duty-free cashback benefit for travel shoppers
Complimentary airport “Meet & Assist” and spa services — adds luxury travel comfort
Zero cash-withdrawal fee overseas (though interest may apply)
Fuel surcharge waiver for fuel spends in India
Annual fee waiver possible if spend threshold met

High joining/annual fee (₹4,999 + GST) if spend threshold not met
Eligibility limited to NRIs with AU NRE savings + fixed deposit account
Some benefits like lounge access and vouchers subject to spend conditions or limited visits
Reward exclusions: fuel, cash, rent, EMI, and certain MCC/transaction types not eligible for reward points or milestone calculations

ELIGIBILITY CRITERIA

Applicant must be a Non-Resident Indian (NRI).
Must have an NRE savings account with AU Small Finance Bank.
Must maintain a minimum NRE fixed deposit account of ₹100,000 with AU Bank.
Primary cardholder age: 18–75 years.

WELCOME BENEFITS
MakeMyTrip voucher worth ₹5,000 on card activation — provided the card is activated / used within 30 days of issuance

CARD REVIEW
The AU Bank Traverse Credit Card is best suited for NRIs who travel frequently or make considerable international spends. For frequent flyers and overseas shoppers, the low forex markup, global lounge & spa access, duty-free cashback, and travel-related privileges deliver strong value — especially if you meet the spend thresholds to justify the annual fee. However, its high fee and restricted eligibility (NRE account + fixed deposit requirement) make it less suitable for regular domestic users or occasional travellers. Certain rewards and benefits are conditioned on spends or visit limits, which may reduce value if usage is sporadic.

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Skara Financial Services

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AU Bank Traverse Credit Card