AU Small Finance Bank
Aditya Birla AU Bank Credit Cards
Annual Fee
Lifetime FreeBase Reward
6% points
Foreign Markup
1.99 to 3.5%
Welcome Benefits
Up to 1,000 Reward Points
Product Highlights
- Lifetime free credit cards
- Customizable cards available
- Accelerated Reward Points for select categories
Category Rewards
utilities
Utilities, Grocery, Departmental, Education: 6 RP/₹200
0.75X
grocery
Utilities, Grocery, Departmental, Education: 6 RP/₹200
0.75X
Specialty
Utilities, Grocery, Departmental, Education: 6 RP/₹200
0.75X
Specialty
Utilities, Grocery, Departmental, Education: 6 RP/₹200
0.75X
Specialty
Online spends: 4 RP/₹200
0.5X
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3K
AU Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.39%
Annual fee
FREE
Year 1 net
+₹750
Year 2+ net
+₹750
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
Double RP on all incremental retail spends after ₹50K/quarter
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
emi, cash, bbps, fuel, insurance, jewelry, rent
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions.
- 1 RP = Rs. 0.20
Benefits & Features
Domestic: Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants International: Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants Full lounge access description not provided.
Pros & Cons
Pros
- Lifetime free
- Up to 6X Reward Points on Online Transactions
- Customizable features
Cons
- No specific insurance benefits mentioned
- Joining and renewal fee details not applicable
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks