AU Small Finance Bank
AU Kosmo Credit Card
Annual Fee
Lifetime FreeBase Reward
1.5% points
Foreign Markup
3.49%
Product Highlights
- Lifetime free credit card
- Can link to UPI apps
- 1% fuel surcharge waiver
- Xpress EMI option for purchases of ₹500 or more
Category Rewards
Specialty
1.5% Cashback on Offline UPI Spends
1.5X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Kiwi app
Up to 5% cashback for premium-tier Kiwi users
Kiwi app
1.5% cashback on offline UPI spends via Kiwi App
Reward Calculator
Earns ₹885/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3.5K
Kiwi Rewards
₹885
via standard · ₹0.25/pt
Effective rate
0.46%
Annual fee
FREE
Year 1 net
+₹885
Year 2+ net
+₹885
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.
Excluded from rewards
cash, rent, education, government, insurance, emi, fuel, bbps
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 Kiwi rewards for spending on UPI, online shopping, and POS transactions. 1.5% cashback on offline UPI spends using the Kiwi App. Premium users get 5% cashback on every purchase.
- 1 kiwi = ₹0.25
Benefits & Features
1% Fuel Surcharge Waiver (Up to ₹100) for Transactions Between ₹400 and ₹5,000 at All Fuel Stations Across the Country
Pros & Cons
Pros
- Lifetime free credit card
- Can pay for purchases in EMI using Xpress EMI
Cons
- No high-end benefits such as complimentary airport lounge access
- No travel insurance
- No welcome benefits
Additional Info
This card is suitable for beginners looking for a lifetime free option.
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
Networks