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

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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