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AU CS Credit Card

AU Small Finance Bank · Rewards

Reviewed by Chandan Kumar Dash

8 reward points per ₹100 on dining, travel, tax payments and software; 2 per ₹100 on retail; 1 per ₹100 on utility, telecom and insurance.

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Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

1.99%

Fee waiver

No annual fee, so nothing to waive.

Work it out for this card

How the app counts rewards

• 1 point per ₹100 on utilities, telecom and insurance
• 8 points per ₹100 on dining, travel, tax payments and software (max 5,000 points a cycle)
• 2 points per ₹100 on other retail spends

No rewards on education, fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter

Needs Rs 50,000 spend in the previous calendar quarter (from 1 Oct 2026); the product page still says purchase-active

Points

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 21 to 65

Salaried: 21 to 60 years. Self-employed: 25 to 65 years. Resident Indian.

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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