Is the AU Tejas Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- ₹590 fee a year (with GST)
- Fee waived from ₹12,500 a month
- 0.25% on most spends; 10% only at partner merchants
- Pays in reward points
- online shopping only at District Movies: 10% back, up to ₹50 a month
- dining only at Zomato: 10% back, up to ₹50 a month
- spending ₹12,500 or more a month: the ₹590 fee is waived
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on District Movies, Zomato, Amazon Fresh / Amazon Now, Uber, Ola, Rapido or Bill payments in the AU 0101 app: the 10% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 reward point per ₹100 on all other spends (~0.25%); 5 RP per ₹100 only via the AU Rewardz portal (excluded from baseline); 500 bonus points on 5 transactions of ₹500+ in a statement cycle
Also earns nothing on: BBPS, Transportation MCCs (Apr 2026), Quasi-cash.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.25% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 10% | ₹50 | Only at: District MoviesTerms: 10% on movie tickets via District, under its own ₹50 monthly cap; min ₹150 a transaction, once a month | - |
| Dining and food delivery | 0.25% | No cap | Anywhere else in the category | - |
| Dining and food delivery, only at listed merchants | 10% | ₹50 | Only at: ZomatoTerms: 10% on Zomato food delivery, under its own ₹50 monthly cap; min ₹150 a transaction, once a month | - |
| Groceries | 0.25% | No cap | Anywhere else in the category | - |
| Groceries, only at listed merchants | 10% | ₹50 | Only at: Amazon Fresh / Amazon NowTerms: 10% on Amazon Fresh / Amazon Now orders, under its own ₹50 monthly cap; min ₹150 a transaction, once a month | - |
| Travel: flights, hotels, trains | 0.25% | No cap | Anywhere else in the category | - |
| Travel: flights, hotels, trains, only at listed merchants | 10% | ₹50 | Only at: Uber, Ola, RapidoTerms: 10% on cab rides (Uber, Ola, Rapido and other major providers), under its own ₹50 monthly cap; min ₹150 a transaction, once a month | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.25% | No cap | Anywhere else in the category | - |
| Bills and recharges, only at listed merchants | 10% | ₹50 | Only at: Bill payments in the AU 0101 appTerms: 10% on bill payments made in the AU 0101 app, under its own ₹50 monthly cap; min ₹150 a transaction, once a month | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.25% | No cap | The card's normal rate | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | 0.25% | No cap | The card's normal rate | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate | - |
| Everything else | 0.25% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
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