AU Bank Airport Lounge Access Credit Cards in India 2026

5% reward on dining spends || 2.50% reward on grocery & departmental store purchases, and international spends || 1.25% reward on all other card spends

• 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants (maximum 5000 reward points per month at this earning rate, meaning this benefit is applicable on dining spends upto ₹25000 per month)
• 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
• 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more. On vouchers,1 reward point = ₹0.20 (20 paise).

Exceptions

• On insurance, utility and telecom spends, you get 0.25% benefit (1 reward point on every ₹100 spent). Maximum 100 reward points per transaction on utility & telecom spends.
• No reward points are given on the following card spends – fuel, rent, education, government, cash withdrawals, EMI transactions, Bharat Bill Payment System.

Quarterly and yearly milestone benefits

• ₹1000 vouchers at quarterly card spend of ₹2 lakh - 0.50% reward
• Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to domestic airport lounges – 8 times per year (maximum 2 times per quarter). Cardholders need to spend a minimum of ₹20,000 in a calendar quarter to become eligible for this benefit.

Complimentary access to international airport lounge access – 8 times per year (maximum 2 times per quarter) 

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625: 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits

• Air accident cover up to ₹2 crore
• Card liability cover up to your card limit
• Credit shield up to ₹15 lakhs
• Purchase protection up to ₹50,000
• Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver up to ₹1000 per month

2% reward on travel spends, dining spends, and international spends || 1% benefit on all other card spends

• 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
• 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹1
• Important exclusions: No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Up to 1.3% additional benefit, through monthly milestone program

• 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
• Note: Following card spends are not eligible for monthly milestone card spend calculation - fuel, cash withdrawals, EMI transactions, rent, utility bills, wallet loads, government & education transactions, insurance.  

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter). You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free movie ticket up to ₹500) at BookMyShow movies - 4 free tickets per quarter 

• Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
• This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits

• Air accident cover – up to ₹2 crore
• Card liability cover – up to ₹15 lakhs
• Credit shield – up to ₹15 lakhs
• Purchase protection – up to ₹50,000
• Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
• Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver up to ₹1000 per month

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

• Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
• Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
• Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

• International airport lounges – once per year
• Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
• Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

• 5 reward points worth ₹1.25, on every ₹100 spent 
• 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
• Monthly limit: 10,000 reward points 

0.62% reward on offline spends

• 2.50 reward points worth ₹0.62, on every ₹100 spent
• 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

• Fuel, rent, Insurance, 
• Jewelry, wallet loads
• Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

• Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
• Protection against card counterfeit/skimming and online frauds.