AU Traverse Credit Card 2026: Benefits, Rewards, Fees, Eligibility & How to Apply

The AU Traverse Credit Card is an exclusive travel-oriented credit card tailored for Non-Resident Indians (NRIs). It provides benefits for travelling, access to airport lounge facilities, minimal currency conversion charges, free airport transfer, and benefits from both domestic and foreign spending.

This card stands out for its foreign currency markup fee of 0.99%, which may benefit users who often travel abroad and rely on their card to pay for their travel. Along with the benefit of ₹5,000 welcome, the card also provides Priority Pass membership, airport spa visits, VIP check-in benefit and domestic and international lounge access.

In this guide, we will discuss the AU Traverse Credit Card benefits, rewards, cashback, fees, eligibility, documents and application process along with whether it is a worthy premium travel credit card to consider.

AU Traverse Credit Card Highlights

Feature	Details
Welcome Benefit	₹5,000 MakeMyTrip voucher
International Rewards	4 reward points per ₹100
Domestic Rewards	2 reward points per ₹100
Insurance, Utility & Telecom	1 reward point per ₹100
Reward Point Value	₹0.25
Foreign Currency Markup	0.99%
Domestic Lounge Access	2 visits per quarter
International Lounge Access	2 visits per quarter
Airport Spa	4 free visits per year
VIP Airport Check-in	4 free check-ins per year
Priority Pass	Complimentary membership
Duty-Free Benefit	₹500 cashback on ₹10,000 spend
Annual Fee Waiver	On annual spends of ₹6 lakh or more
Joining Fee	₹4,999 + GST
Annual Fee	₹4,999 + GST
Minimum Age	Above 21 years
Eligibility	NRI applicants

AU Traverse Credit Card Welcome Benefit

Eligible cardholders can enjoy a ₹5,000 MakeMyTrip voucher as a welcome benefit with the AU Traverse Credit Card.

This feature may be helpful for those who make a lot of travel bookings on MakeMyTrip, like flights, hotel bookings or holiday packages.

The welcome benefit is a great one for those who travel a lot and can help cover some of the cost of a card membership, but cardholders should read the terms and conditions that apply before applying for a new card.

Key Welcome Benefit

• Home delivery service: ₹5,000 welcome benefit coupon from MakeMyTrip.

• This code is suitable to be used when booking travel.

• Potential value: ₹5,000

  
  

AU Traverse Credit Card Reward Points

The card offers different reward rates depending on the type of transaction.

The value of 1 AU Traverse reward point is ₹0.25.

International Spending Rewards

Cardholders can earn:

4 reward points for every ₹100 spent on eligible international transactions.

Since each point is worth ₹0.25:

4 × ₹0.25 = ₹1

Therefore, the stated international cashback rate is 1%.

Example

If you spend ₹50,000 on eligible international transactions:

₹50,000 ÷ ₹100 × 4 = 2,000 reward points

At ₹0.25 per point:

2,000 × ₹0.25 = ₹500

So, ₹50,000 of eligible international spending can generate rewards worth ₹500.

AU Traverse Credit Card Domestic Rewards

For eligible domestic transactions, cardholders earn:

2 reward points per ₹100 spent.

With each reward point valued at ₹0.25, this represents a 0.5% domestic cashback rate.

Example

For ₹50,000 of eligible domestic spending:

₹50,000 ÷ ₹100 × 2 = 1,000 reward points

Value:

1,000 × ₹0.25 = ₹250

Insurance, Utility and Telecom Rewards

The AU Traverse Credit Card also provides rewards on selected categories such as:

• Insurance

• Utility bills

• Telecom spending

1 reward point is earned for every ₹100 spent by the cardholder.

These categories have a maximum reward of 100 reward points per transaction.

All rewards earned are worth ₹0.25, which makes the cashback rate 0.25%.

AU Traverse Credit Card Travel Benefits

Travel benefits are one of the strongest features of the AU Traverse Credit Card.

1. Low Forex Markup of 0.99%

The card has a markup fee on foreign currencies of 0.99%.

This is definitely relevant to those who travel out of the country frequently, as foreign currency transactions may incur a higher mark-up charge.

In case of an eligible foreign currency transaction of ₹1,00,000, a 0.99% mark-up would be around ₹990 per transaction, prior to any taxes and other charges.

2. Complimentary Priority Pass Membership

AU Traverse Credit Card holders receive free Priority Pass membership.

Priority Pass can provide access to participating airport lounges around the world, subject to the applicable membership and visit conditions.

This can be particularly useful for frequent international travellers.

3. Domestic Airport Lounge Access

Cardholders receive:

2 free domestic airport lounge visits per quarter.

That means the card can provide up to 8 domestic lounge visits per year, subject to the applicable terms and eligibility conditions.

4. International Airport Lounge Access

The card also provides:

2 free international airport lounge visits per quarter.

This can be particularly useful for NRI cardholders and people who frequently travel internationally.

5. Airport Spa Visits

Cardholders can get:

4 free airport spa visits per year.

This can add extra comfort during long journeys or while waiting for flights.

6. Airport VIP Check-in

The card offers:

4 free VIP airport check-ins per year.

Frequent flyers can use this benefit to make their airport experience more convenient.

AU Traverse Credit Card Duty-Free Cashback

Another travel-related benefit is the duty-free shopping offer.

Cardholders can receive:

₹500 cashback on spending ₹10,000 on duty-free shopping.

This can be useful for travellers who regularly shop at participating airport duty-free stores.

The applicable terms, participating merchants, and transaction conditions should be checked before making the purchase.

AU Traverse Credit Card Fuel Surcharge Waiver

The card charges a 1% fuel surcharge, but the surcharge is waived for eligible fuel transactions between ₹400 and ₹5,000 across fuel stations in India.

The maximum cashback/benefit is capped at ₹250 per statement cycle.

This can provide additional savings for cardholders who regularly use their credit card for fuel payments.

AU Traverse Credit Card Annual Fee Waiver

The card carries an annual fee of ₹4,999 + GST.

However, the annual fee can be waived if the cardholder spends ₹6 lakh or more in a year, subject to the applicable terms.

This makes the card more attractive for high-spending customers who can comfortably meet the annual spending requirement through their regular expenses.

AU Traverse Credit Card fees

Understanding the fees is important before applying for a premium credit card.

Fee/Charge	Amount
Joining Fee	₹4,999 + GST
Annual Fee	₹4,999 + GST
Cash Advance Fee	2.5% of amount withdrawn, minimum ₹100
Interest Rate	3.49% per month
Annualised Interest Rate	41.88%
Foreign Currency Markup	0.99%
Late Payment Fee	15% of outstanding due, subject to ₹0–₹1,300 range
Reward Redemption Fee	₹99
Fuel Surcharge	1%, with applicable waiver

Cash Advance Fee

The cash advance fee is 2.5% of the amount withdrawn, subject to a minimum charge of ₹100.

Cash withdrawals through a credit card can also attract interest, so this facility should generally be used only when necessary.

Interest Rate

The card carries an interest rate of:

3.49% per month or 41.88% annually.

Carrying an unpaid balance can therefore significantly increase the overall cost of borrowing.

Foreign Currency Markup

The foreign currency markup is 0.99%, making this an important feature for international travellers.

Reward Redemption Fee

The reward redemption fee is ₹99 according to the information provided.

AU Traverse Credit Card Eligibility

The eligibility criteria provided for the AU Traverse Credit Card are:

Age

The applicant should be above 21 years of age.

Residency

The card is intended for NRI applicants.

Therefore, applicants should ensure they meet the bank's NRI eligibility and other internal credit assessment requirements before applying.

Documents Required for AU Traverse Credit Card

Applicants may need to provide documents for identity, address, and application verification.

The application process mentioned requires:

• PAN Card

• Recent passport-size photograph

• Personal details

• Address details

• Contact information

• Employment details

• Income information

The bank may request additional documents depending on the applicant's profile and verification requirements.

How to Apply for AU Traverse Credit Card Online

You can apply for the AU Traverse Credit Card online by following these steps:

Step 1: Visit the AU Bank Website

Go to the official AU Bank website and select the option to apply for a credit card.

Step 2: Select AU Traverse Credit Card

Find the AU Traverse Credit Card from the available credit card options and review its features and terms.

Step 3: Enter Your Personal Details

Provide information such as:

• Name

• Address

• Contact details

• Other personal information

Step 4: Enter Employment and Income Details

Enter your employment information, including employer details and income information.

Step 5: Upload Documents

Upload your PAN card and recent passport-size photograph, along with any other documents requested by the bank.

Step 6: Accept the Terms and Submit

Read the applicable terms and conditions, provide your consent, and submit the application.

Step 7: Verification

An AU Bank representative may contact you to verify your information and complete the application process.

AU Traverse Credit Card Pros and Cons

Pros

• ₹5,000 MakeMyTrip welcome benefit

• Low 0.99% forex markup

• 4 reward points per ₹100 on eligible international spending

• Complimentary Priority Pass membership

• 2 domestic lounge visits per quarter

• 2 international lounge visits per quarter

• 4 airport spa visits per year

• 4 VIP airport check-ins per year

• ₹500 duty-free cashback on ₹10,000 spending

• Annual fee waiver on ₹6 lakh annual spending

Cons

• High joining fee of ₹4,999 + GST

• High annual fee of ₹4,999 + GST

• Designed primarily for NRI applicants

• ₹99 reward redemption fee

• High interest rate of 41.88% annually

• Rewards on domestic spending are relatively low at 0.5%

Is AU Traverse Credit Card Worth It?

For NRIs and international travellers, the AU Traverse Credit Card might be a great choice for those who travel often and can benefit from its travel-oriented features.

It is especially geared towards travelling with its 0.99% foreign currency markup, international reward rate, airport lounge access, Priority Pass membership, airport spa visits, VIP check-in benefits and MakeMyTrip welcome voucher.

The card comes with a joining and annual fee of ₹4,999 (plus GST); however, this might not make it a good choice for frequent travellers or those who spend less.

For high spenders, the annual fee waiver of ₹6 lakh brings added value to the card. When you are considering applications, compare what you anticipate spending and how many trips you will take per year with the fees and benefits of the card.

Conclusion

The AU Traverse Credit Card is a premium travel credit card focused on NRIs and frequent international travellers. Its key benefits include a ₹5,000 MakeMyTrip welcome benefit, 0.99% forex markup, international rewards of up to 1%, airport lounge access, Priority Pass membership, airport spa visits, VIP check-in, and duty-free cashback.

The card's ₹4,999 + GST annual fee is relatively high, but the fee can be waived when annual spending reaches ₹6 lakh, subject to the applicable conditions.

Overall, the AU Traverse Credit Card can be an attractive option for eligible high-spending NRIs who frequently travel internationally and can make full use of its airport and foreign currency benefits. However, applicants should compare the latest fees, exclusions, reward redemption rules, and eligibility requirements before applying.

FAQs

What is the AU Traverse Credit Card?

The AU Traverse Credit Card is a premium travel-focused credit card designed primarily for eligible NRI applicants. It offers travel rewards, lounge access, low forex markup, airport benefits, and a MakeMyTrip welcome benefit.

What is the welcome benefit on the AU Traverse Credit Card?

Eligible cardholders can receive a ₹5,000 MakeMyTrip voucher as a welcome benefit, subject to the applicable terms.