Cards / AU Small Finance

AU Small FinanceTraverse (NRI)

Traverse (NRI) Credit Card

AU Small Finance Bank · Premium

Reviewed by Chandan Kumar Dash

4 reward points per ₹100 on international spends; 2 per ₹100 on domestic spends; 1 per ₹100 on insurance, utility and telecom.

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Joining fee

Free

Annual fee

₹4,999

Waiver spend

₹6,00,000

Forex markup

0.99%

Fee waiver

Spend ₹6,00,000 in a card year and the next annual fee is waived.

That is about ₹50,000 a month.

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How the app counts rewards

• 4 points per ₹100 on international spends
• 1 point per ₹100 on insurance, utility and telecom (max 100 points a transaction)
• 2 points per ₹100 on domestic spends

No rewards on education, fuel, rent.

Airport lounges

• Domestic: 2 visits a quarter
• International: 2 visits a quarter

Points

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

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Who can apply

• Age 18 to 75

Non-resident Indians with an AU NRE account and NRE fixed deposit

Published minimums. Approval is the bank's decision. See every card you qualify for.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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