AU Small Finance Bank Launches Four New Credit Cards: Ananta, Lakshya, Tejas, Prathama
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AU Small Finance Bank launches 4 new credit cards across premium to entry-level tiers. Are they worth your attention? Let's find out.
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AU Small Finance Bank (AU SFB) has introduced four new credit card variants: Ananta, Lakshya, Tejas and Prathama, to expand its tiered credit card offerings, targeting different spending profiles.
These cards were revealed recently in online discussion threads and partial portal listings. As of now, full official documentation is available only for the Ananta card. Details about the other three are derived from user leaks and unofficial sources and are subject to confirmation.
Key Details
- Cards introduced: AU Ananta, Lakshya, Tejas, Prathama.
- Announced via: AU Bank’s beta preview portal and several independent posts across Reddit, Instagram, and X.
- Key positioning: Ananta is the premium of the four; Lakshya, Tejas, and Prathama appear to be mid- or entry-tier cards.
Card-by-Card Breakdown for New AU Bank Cards
Ananta Credit Card by AU Bank
Feature | Details |
|---|---|
Annual Fee | ₹2,000 + GST |
Welcome Benefit | 8,000 Bonus Reward Points upon activation |
Reward Rates | Up to 5 Reward Points per ₹100 on Shopping, Dining & Travel spends; fuel surcharge waiver of 1% on fuel spends between ₹400-₹5,000 |
Milestone Benefit | Up to 50,000 Reward Points in an anniversary year if cardholder spends ₹10 lakh in that year |
Other Features | Instant discounts up to 15% at partner merchants; complimentary domestic airport lounge access; No-Cost EMI options through AU Rewardz; contactless payments; lifetime-free add-on card for family members. |
Eligibility | Resident Indians; Salaried applicants: 21-60 years; Self-employed: 25-65 years; Add-ons from 18+ years. |
Fee Waiver Condition | Second-year waiver if ₹3,00,000 retail spends done in previous anniversary year. |
Tejas Credit Card
Feature | Details |
|---|---|
Annual Fee | ₹500 + applicable taxes |
Welcome Benefit | 2,000 Bonus Reward Points or ₹500 Brand Voucher on activation |
Reward Rates | Up to 5 Reward Points per ₹100; plus special discounts (movies, grocery, food delivery, Uber, etc.) at partner merchants; 500 bonus reward points on completing 5 transactions. |
Other Features | Xpress EMI available (for converting transactions ₹500+ with minimum total value ₹2,000); contactless payments; fuel surcharge waiver of 1% for fuel spends ₹400-₹5,000. |
Eligibility | Same as Ananta: resident Indian, ages 21–60 salaried or 25-65 self-employed; add-on above 18. |
Fee Waiver Condition | Waiver in 2nd year if ₹1,50,000 retail spends in previous anniversary year. |
Lakshya & Prathama Credit Cards
AU Small Finance Bank has not officially published detailed benefits or charge schedules for Lakshya and Prathama. Available information comes from preview sources and user discussions.
Card | Reported Annual Fee | Main Benefits |
|---|---|---|
Lakshya | ₹1,000 + taxes (reportedly) | Focus on Grocery and Department Store spends; rewarded rate possibly 1.25% in those categories; likely higher reward base rates for offline essentials. |
Prathama | ₹100 + taxes (reportedly) | Entry-level card; intended for credit building; lower base reward rates; minimal perks beyond basic benefits. |
TL;DR: AU Bank's New Cards
Card | Annual Fee | Entry & Mid-Tier Cards | Premium Card |
|---|---|---|---|
Ananta | ₹2,000 | High welcome bonus, milestone target ₹10 lakh spends | Domestic lounge access, partner discounts, strong rewards etc. |
Tejas | ₹500 | Brand vouchers, discounts on food, grocery etc. | Waiver possible with moderate spends (₹1,50,000) |
Lakshya | ~₹1,000* | Groceries / dept store focus | Moderate reward structure |
Prathama | ~₹100* | Basic, credit-building | Lowest fees and benefits |
*Figures for Lakshya and Prathama are based on credible but unofficial sources and subject to change.
What’s Not Yet Confirmed
- Exact benefits and fee structures for Lakshya, Tejas, and Prathama (annual fee, waiver criteria, point rates).
- Precise launch dates for the other three variants.
- Details of partner discounts, whether same as Ananta’s “instant discounts at select merchants.”
FAQs about AU Bank New Credit Cards
1. What are the four new credit cards launched by AU Small Finance Bank?
AU Bank has expanded its portfolio with the Ananta, Lakshya, Tejas, and Prathama credit cards. These range from the premium Ananta (₹2,000 fee) to the entry-level Prathama (₹100 fee), covering lifestyle, grocery, and credit-building categories.
2. Is the AU Ananta Credit Card lifetime free?
No, the AU Ananta card has an annual fee of ₹2,000 + GST. However, the fee for the second year onwards is waived if you spend ₹3,00,000 or more in the previous anniversary year.
3. Can I have more than one AU Bank credit card?
Currently, AU Small Finance Bank generally follows a one-card-per-customer policy. If you already hold a card like the AU Zenith or LIT, you may need to check for an upgrade or "variant switch" option rather than a fresh application for Ananta or Tejas.
4. What is the difference between AU Tejas and AU Ananta?
The Tejas card (₹500 fee) is a mid-tier card focused on daily spends like food delivery and groceries with a lower fee waiver milestone (₹1.5 Lakh). The Ananta card (₹2,000 fee) is more premium, offering domestic lounge access and a higher milestone reward of up to 50,000 points for heavy spenders.
5. How do I apply for the AU Lakshya or Prathama cards?
As of late April 2026, official documentation for Lakshya and Prathama is still being rolled out. While Ananta is available for application, it is recommended to wait for the official listing on the AU 0101 App or the bank’s website to confirm final benefits and eligibility.
6. Does the AU Ananta card offer airport lounge access?
Yes, the AU Ananta credit card offers complimentary domestic airport lounge access. Specific details on the number of visits per quarter will be clarified in the bank’s final Most Important Terms and Conditions (MITC) document.
Next Steps for Interested Customers
- Review the bank’s official Key Fact Statement or MITC (Most Important Terms & Conditions) for Lakshya and Prathama when released. Potential features and charges may change before launch.
- Check if annual fees are waived via required spend. For example, Tejas requires ₹1,50,000 in prior-year spends, Ananta requires ₹3,00,000.
- Make sure you meet eligibility: minimum age, income documentation, and residency status. AU has standard norms for primary vs. add-on cards.
- Compare with existing cards you have. Since AU Bank limits to one card per customer, selecting the one that best matches spend pattern is crucial.
AU Small Finance Bank’s rollout of Ananta, Lakshya, Tejas, and Prathama marks an expansion of its credit card segment to cover a wider spectrum of spend levels and lifestyle preferences.
Only Ananta and Tejas have full official detail as of late April 2026; Lakshya and Prathama details currently remain provisional. For consumers, the primary factors will be fee vs. reward alignment, eligibility, and policy details like card replacement or waiver conditions which in AU’s case may significantly affect net value.
Disclaimer: AU Bank has not yet updated its website with full details. What you'll read below is based on what we've seen from community posts and early portal information. Fees, rewards, and benefits may change once the bank shares official information. Before applying for any card, please check AU Bank's official website and read the Key Fact Statement (a document banks must share that lists all charges and terms). We will update this article as soon as official details are available.
About the Author
Sakshi Dubey
Sakshi loves to shop and uses credit cards to understand how she can minimize her spending and maximize rewards. She writes posts about credit card rewards, best cards for everyday spends, and guides on optimizing credit card usage.