AU Kosmo Credit Card

rupayclassiccreditUPIshopping

Annual Fee

FREE

Base Reward

1.5% points

Foreign Markup

3.49%

4.3/5

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

other

1.5% Cashback on Offline UPI Spends

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50

Kiwi

all

5% Cashback for Premium Users

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.

Reward Points — Redemption Value

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

Kiwi

Fees & Charges

Annual FeeFREE

Foreign Markup3.49%

Interest Rate3.75% per month

Cash Advance2.5%

Eligibility

Networks

rupay