MyFinCards
Traverse Credit Card for NRIs

Joining Fee

₹4,999

Annual Fee

Rs. 4999 (Reversed on annual spends of Rs. 6 Lakhs)

Forex Markup

0.99% + GST

INTERNATIONAL
AU Small Finance Bank
Travel
Rewards
Best For: Non-Resident Indians with frequent international travel, NRIs looking for low forex markup on international spends, High spenders targeting milestone benefits

Traverse Credit Card for NRIs

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • Very low 0.99% forex markup ideal for NRI international spends
  • Complimentary domestic and international airport lounge access
  • Welcome MakeMyTrip voucher worth ₹5,000
  • Milestone reward: Taj voucher worth ₹10,000 on ₹10L spend
  • Annual fee waiver on ₹6L spend
  • Zero cash withdrawal fee
  • Accelerated reward points on international spends

Cons

  • High annual fee of ₹4,999
  • Requires NRE banking and FD account with AU Small Finance Bank
  • Fuel, cash, rent, education & govt MCC transactions excluded from reward points

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel and cash transactions not counted towards milestone spends

Maximum 100 reward points per utility & telecom transaction

EMI, rent, education & govt MCC transactions not eligible for reward points

Welcome voucher requires card activation within 30 days

Key Benefits & Features

Welcome gift: MakeMyTrip voucher worth ₹5,000 on card activation within 30 days

Flat ₹500 cashback on duty-free shopping on minimum spend of ₹10,000

Zero cash withdrawal fee

Complimentary Airport Meet & Assist with end-to-end VIP check-in services

4 complimentary airport spa accesses per year, up to 1 per quarter

Eligibility Criteria

Age Requirement

18+ Years

Notable Exclusions

Fuel transactions not eligible for reward points and not counted towards milestone spendsCash transactions not eligible for reward points and not counted towards milestone spendsEMI transactions not eligible for reward pointsRent transactions not eligible for reward pointsEducation transactions not eligible for reward pointsGovernment MCC transactions not eligible for reward pointsMaximum 100 reward points per utility & telecom transaction

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Traverse Credit Card for NRIs

The AU Traverse Credit Card is designed exclusively for Non-Resident Indians who seek global convenience paired with rewarding benefits. Tailored to match the lifestyle of frequent international travelers, this card combines low forex charges with premium perks that make every journey more comfortable and rewarding. Applicants must hold an NRE banking and FD account with AU Small Finance Bank and be between 18 and 75 years of age. At the heart of the card's value is a remarkably low 0.99% forex markup on international transactions, making overseas spending more cost-effective. Cardholders enjoy complimentary domestic and international airport lounge access twice per quarter, four complimentary airport spa sessions annually, and complimentary airport meet-and-assist services for a seamless travel experience. A welcome gift of a MakeMyTrip voucher worth rupees 5,000 greets new cardholders upon activation, while a Taj voucher worth rupees 10,000 is unlocked on annual spends of rupees 10 lakhs. The card offers accelerated reward points, earning four points per rupees 100 on international spends and two points on domestic purchases. Additional benefits include a flat rupees 500 cashback on duty-free shopping, zero cash withdrawal fees, and a 1% fuel surcharge waiver. An annual fee of rupees 4,999 is waived upon achieving rupees 6 lakhs in annual spends.

Expert Review

Our Verdict

Global NRI travel card with low forex markup, lounge access, and milestone rewards for international spenders.

Frequently Asked QuestionsAbout Traverse Credit Card for NRIs

ELIGIBILITYWho is eligible to apply for the AU Traverse Credit Card for NRIs?
To apply for the AU Traverse Credit Card, you must be a Non-Resident Indian (NRI) with an NRE banking account and an NRE Fixed Deposit (FD) account with AU Small Finance Bank. The primary cardholder must be between 18 and 75 years of age. There is no minimum income requirement specified for this card.
FEESWhat is the joining fee and annual fee for the Traverse Credit Card?
The Traverse Credit Card for NRIs has a joining fee of ₹4,999 plus applicable taxes and an annual membership fee of ₹4,999 plus applicable taxes. However, the annual fee can be waived if you complete spends of ₹6 Lakhs within a card anniversary year. Note that fuel and cash transactions are not counted towards the milestone spends required for the fee waiver.
INTERNATIONALWhat is the forex markup fee on the AU Traverse Credit Card?
The AU Traverse Credit Card for NRIs charges a very competitive forex markup fee of just 0.99% on all international transactions. This is significantly lower than the industry standard of 2–3.5%, making it an ideal card for NRIs who frequently spend internationally or make cross-border transactions. It is advisable to keep an eye on daily exchange rates for high-value international spends.
BENEFITSWhat welcome benefit do I get on activating the Traverse Credit Card?
Upon activating your AU Traverse Credit Card, you receive a complimentary MakeMyTrip voucher worth ₹5,000 as a welcome gift. To be eligible for this voucher, you must activate your card within 30 days of card issuance. This welcome benefit makes the card especially attractive for NRIs planning travel to or within India.
REWARDSWhat milestone benefits are available on the Traverse Credit Card?
The AU Traverse Credit Card offers two milestone benefits within a card anniversary year. First, you can earn a Taj voucher worth ₹10,000 when your annual spends reach ₹10 Lakhs. Second, you get a complete annual fee waiver on achieving spends of ₹6 Lakhs. Please note that fuel and cash transactions are not counted towards milestone spend calculations.
REWARDSHow are reward points earned on the AU Traverse Credit Card?
The AU Traverse Credit Card offers accelerated reward points across different spend categories: 4 Reward Points per ₹100 on international spends, 2 Reward Points per ₹100 on domestic spends, and 1 Reward Point per ₹100 on insurance, utility, and telecom payments (capped at 100 reward points per utility and telecom transaction). Fuel, EMI, cash, rent, education, and Government MCC transactions are not eligible for reward points.
BENEFITSWhat airport lounge access benefits does the Traverse Credit Card offer?
The AU Traverse Credit Card provides complimentary domestic and international airport lounge access — 2 complimentary lounge visits per quarter. This benefit allows cardholders to relax and unwind during their travels at domestic and international airports. Additionally, the card also offers complimentary Airport Meet & Assist services, giving you end-to-end VIP check-in services for a truly premium travel experience.
FEESDoes the Traverse Credit Card charge a cash withdrawal fee?
No, the AU Traverse Credit Card for NRIs offers zero cash withdrawal fees, meaning you will not be charged a transaction fee for withdrawing cash using your credit card. However, please note that cash transactions are excluded from reward points earning and are not counted towards milestone spends. Standard interest charges on cash advances may still apply as per the schedule of charges.
USAGEWhat airport spa access benefits are included with the Traverse Credit Card?
The AU Traverse Credit Card includes 4 complimentary airport spa accesses per year, with a maximum of 1 spa access per quarter. To avail this benefit, log in with your registered mobile number on the designated portal, browse 'Domestic Spa' and select your location, click 'Access Now', authenticate your AU Credit Card, and share the generated QR code at the spa front desk.
BENEFITSIs there a fuel surcharge waiver on the Traverse Credit Card?
Yes, the AU Traverse Credit Card offers a 1% fuel surcharge waiver of up to ₹250 per statement cycle on fuel transactions between ₹400 and ₹5,000 at all fuel stations across India. However, please note that fuel transactions are excluded from reward points earning and do not count towards milestone spends or the annual fee waiver spend threshold.
APPLICATIONHow do I apply for the AU Traverse Credit Card for NRIs?
To apply for the AU Traverse Credit Card, you can visit your nearest AU Small Finance Bank branch. You will need to have an existing NRE banking account and an NRE Fixed Deposit account with AU Small Finance Bank as a prerequisite for eligibility. You can also check your credit card application status online through the AU Small Finance Bank website after submitting your application.
DOCUMENTSWhat documents are required to apply for the Traverse Credit Card?
As an NRI applicant, you will typically need to provide valid identity proof (such as your passport), proof of NRI status, proof of your NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank, and other KYC documents as per RBI guidelines. Officially Valid Documents (OVDs) for KYC as listed by AU Small Finance Bank will be required. It is recommended to visit your nearest branch for a complete document checklist.
BENEFITSIs there a cashback offer on duty-free shopping with the Traverse Credit Card?
Yes, the AU Traverse Credit Card offers a flat ₹500 cashback on duty-free shopping with a minimum spend of ₹10,000 at duty-free outlets. This is an added benefit for NRI cardholders who frequently travel internationally and shop at duty-free stores at airports, making international travel even more rewarding and cost-effective.
REWARDSWhich transactions are excluded from reward points on the Traverse Credit Card?
The following transactions are not eligible for reward points on the AU Traverse Credit Card: fuel purchases, EMI transactions, cash withdrawals or advances, rent payments, education-related payments, and Government MCC (Merchant Category Code) transactions. Additionally, utility and telecom payments are capped at a maximum of 100 reward points per transaction. All other eligible domestic and international spends will earn the applicable reward points.
USAGEHow can I manage payments for the Traverse Credit Card from abroad?
NRI cardholders can manage their Traverse Credit Card payments conveniently through AU Small Finance Bank's digital banking platforms, including the AU 0101 App, AU 0101 NetBanking, and via WhatsApp Banking or Video Banking. It is important to find easy ways to manage card payments from your country of residence and ensure timely settlements to avoid any extra charges or interest on outstanding balances.

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