AU Bank Launches Ananta, Lakshya, Tejas & Prathama Credit Cards – Full Details (2026)

AU Bank Launches Four New Credit Cards

AU Small Finance Bank has recently expanded its credit card portfolio by launching four new cards – Ananta, Lakshya, Tejas, and Prathama.

These cards come with a modern design and names inspired by Indian heritage. While the look and positioning feel premium, the reward structure remains simple and easy to understand, similar to AU Bank’s existing offerings.

Quick Comparison of AU Bank Credit Cards

Key Highlights of Each Card

AU Ananta Credit Card

• Premium offering with ₹2,000 annual fee
• Up to 5X rewards on shopping, dining & travel
• Quarterly lounge access (spend-based condition)
• Milestone benefit of up to 50,000 reward points

Best for: High spenders looking for rewards + lounge benefits

AU Lakshya Credit Card

• Mid-range card with ₹1,000 annual fee
• 5X rewards on grocery & contactless spends
• 8 domestic lounge visits per year
• Simple reward structure for everyday usage

Best for: Regular spenders who want balanced benefits

AU Tejas Credit Card

• Entry-mid card with ₹500 annual fee
• 5X rewards on AU Rewardz platform
• No lounge access
• Focus on online redemption & travel bookings

Best for: Users who book via AU Rewardz frequently

AU Prathama Credit Card

• Entry-level card with ₹100 annual fee
• 2X rewards on contactless payments
• No welcome or lounge benefits

Best for: Beginners looking for a low-cost credit card

Reward Structure Explained

All four cards follow a simple reward model:

• Accelerated rewards on selected categories
• Base rewards on other spends
• Lower rewards on utilities & telecom

This makes them easy to use but slightly less competitive compared to high-value reward cards.

Lounge Access Benefits

• Ananta: 4 lounge visits per quarter (with spend condition)
• Lakshya: 8 visits per year (2 per quarter cap)
• Tejas & Prathama: No lounge access

Fees & Positioning

AU Bank has clearly positioned these cards across different segments:

• Premium: Ananta
• Mid-range: Lakshya
• Entry-mid: Tejas
• Entry-level: Prathama

This wide pricing strategy makes the cards accessible to a broad range of users.

Pros & Cons

Pros

• Simple and easy reward structure
• Wide range of pricing options
• Decent welcome benefits (except Prathama)
• Lounge access on higher variants

Cons

• No standout or unique features
• Limited high-value reward opportunities
• Lounge access comes with spending conditions

Final Verdict

The new credit cards launched by AU Small Finance Bank focus more on simplicity and accessibility rather than premium benefits.

While Ananta and Lakshya offer decent value for mid-to-high spenders, Tejas and Prathama are more suited for beginners or low spend users.

Overall, these cards are good for users who prefer simple rewards without complex conditions, but may not be the best choice for maximizing value-back.

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