AU Ananta Credit Card
Direct utility/telecom only: 1 point per complete ₹100, capped at 100 points per payment and valued at ₹0.20 in an e-voucher. ₹2,000+GST annual fee. BBPS excluded.
Try your spend →How this estimate works
Only eligible direct utility and telecom card payments are scored. The current AU member agreement gives 1 reward point per full ₹100 and maximum 100 points per transaction; BBPS does not earn. One qualifying direct payment repeats monthly with no other spend consuming the shared 25,000-point cycle cap or ₹50,000/month utility fee threshold. Above ₹50,000/month AU charges a 1% fair-usage fee, so that route is unpriced. E-vouchers have issuer value ₹0.20/point after a 200-point minimum; one annual ₹99+GST redemption charge is deducted. Voucher stock and usable products are not guaranteed; this is not cash. Ranking subtracts ₹2,000+GST annual membership. Conditional ₹3 lakh previous-year fee waiver is not presumed. Shopping, dining and travel accelerator rates are not priced from the up-to-5-points headline. Ordinary retail, groceries, travel, insurance, fuel, rent, education/government, wallet, EMI, cash, quasi-cash, BBPS, transport and special merchant routes are not estimated. Welcome, birthday, milestone points, vouchers and lounges are omitted. Points expire after two years. Verify current offer, merchant coding and redemption inventory.
Issuer terms
AU Ananta Credit Card product and fees · AU cap and exclusions · AU e-voucher point value and redemption fee · AU redemption minimum FAQ · AU fee schedule
Terms checked 30 September 2026. Confirm the active offer, merchant coding and voucher availability before relying on the estimate.