AU Bank Traverse Credit Card (NRI)
An exclusive cross-border product created for Non-Resident Indians (NRIs) maintaining NRE/NRO accounts with AU Bank. It eliminates currency conversion friction with true 0.00% foreign exchange markup, waives cash advance fees at global ATMs, and provides 20 total airport lounge visits across India and global terminals.
Why We Recommend The AU Bank Traverse Credit Card (NRI)
An impressive NRI travel card with 0% forex markup and zero cash withdrawal charges across global ATMs.
Non-Resident Indians visiting India frequently who want zero forex fees and free ATM cash withdrawals.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Bank Traverse Credit Card (NRI)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: Up to ₹0.50 (redeemable for global flights and stays) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Bank Traverse Credit Card (NRI)
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Bank Traverse Credit Card (NRI)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
8 complimentary international lounge visits per calendar year via Priority Pass (max 2 per quarter)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Bank Traverse Credit Card (NRI) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Complete 0% foreign exchange transaction markup worldwide.
Free global ATM cash advances with zero cash advance fee.
20 total domestic and international airport lounge visits annually.
Pros & Cons of the AU Bank Traverse Credit Card (NRI)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- True 0% forex markup eliminates currency conversion friction for NRIs.
- Zero ATM cash withdrawal charges globally.
- Extensive lounge network coverage worldwide.
Things to Consider (Cons)
- Strictly restricted to Non-Resident Indians (NRIs) with NRE/NRO accounts at AU Bank.
- High annual fee of ₹4,999 + GST.
- Strict documentation and overseas residency proof required.
Who Can Apply for the AU Bank Traverse Credit Card (NRI)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Bank Traverse Credit Card (NRI)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU Bank Traverse Credit Card (NRI)?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.