AU Small Finance Bank
AU CA Metal Credit Card
Annual Fee
Lifetime FreeBase Reward
8% points
Foreign Markup
1.99%
Welcome Benefits
Receive 2,000 Reward Points on Spending of ₹5,000 and a Dining Membership on Spending of ₹10,000 within 30 days of Card Activation
Product Highlights
- Lifetime free metal credit card
- Accelerated reward points on business and personal spend
Category Rewards
dining
8X RP on dining/travel/tax/software
8X
travel
8X RP on dining/travel/tax/software
8X
Specialty
8X RP on dining/travel/tax/software
8X
Specialty
8X RP on dining/travel/tax/software
8X
utilities
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Reward Calculator
Earns ₹1,410/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
5.6K
AU Reward Points
₹1.4K
via standard · ₹0.25/pt
Effective rate
0.73%
Annual fee
FREE
Year 1 net
+₹1,410
Year 2+ net
+₹1,410
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.99%Charged on every international (non-INR) transaction
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, quasi cash
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
Earn 8 Reward Points on Every ₹100 Spend on Dining, Travel, Tax Payments, and Software Purchase, 2 Reward Points on Every ₹100 for Other Purchases, and 1 Reward Point on Every ₹100 Spend on Utility and Insurance.
- Redeem Your Reward Points At AU Rewardz
Benefits & Features
Domestic: 2 Complimentary Lounge Access Per Calendar Quarter Full lounge access description
Pros & Cons
Pros
- No joining or annual fees
- 25% discount on renewing ICAI membership fee
Cons
- No access to international airport lounges
Additional Info
Reward earnings are capped at 100 reward points per transaction for utility and telecom spend and 5,000 reward points per statement cycle for dining, travel, tax payments, and software purchases.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks