AU Ananta
AU Small Finance Bank · Checked 2026-10-09
AU Ananta is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹2,000 annually before GST.
CardIQ editorial view
Our take
AU Ananta is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹2,000 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 reward points per ₹100 on eligible shopping, dining and travel.
- Domestic airport lounge benefit is linked to flight bookings through AU Rewardz, with up to 4 visits per quarter and booking conditions.
- 8,000 welcome points require activation and a successful first transaction within 30 days.
Trade-offs to understand
- 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utility and telecom payments.
- Domestic airport lounge benefit is linked to flight bookings through AU Rewardz, with up to 4 visits per quarter and booking conditions.
- The ₹2,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5 reward points per ₹100 on eligible shopping, dining and travel valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utility and telecom payments.
Compare before deciding
- RBL Bank Platinum Maxima — A similarly priced alternative for comparing shopping rewards and reward points.
- RBL Bank Platinum Maxima Plus — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- 2 points per ₹100 on other eligible retail purchases; 1 point per ₹100 on eligible insurance, utility and telecom payments.
- Domestic airport lounge benefit is linked to flight bookings through AU Rewardz, with up to 4 visits per quarter and booking conditions.
- 8,000 welcome points require activation and a successful first transaction within 30 days.