AU Small Finance Bank
AU CS Credit Card
Data last verified: 5 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.5% base, up to 2% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup1.99%
- Interest (APR)2.99% a month, 35.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
01AU CS Credit Card Rewards and Benefits
02AU CS Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 1.99%
- Interest rate
- 2.99% a month (35.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 2%₹100
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,100 a year₹175
- In your pocket each year₹2,100
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Software purchases: 2% back, up to ₹1,250 a month
- Dining: 2% back, up to ₹1,250 a month
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
- Spending abroad: 1.99% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Software purchases, dining, travel or Tax payments: the 2% rate applies only there, everything else earns 0.5%
- you sometimes pay only the minimum due: interest of 2.99% a month (35.88% a year) outweighs any reward
04How AU CS Credit Card earns Rewards
0.5% base, up to 2% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 2% | ₹1,250, shared with other bonus rates | Only at: Software purchasesTerms: 8 reward points per ₹100 on software purchases (~2%), inside the 5,000-point statement-cycle cap shared with dining, travel and tax |
| Dining and food delivery | 2% | ₹1,250 | All merchants in the categoryTerms: 8 reward points per ₹100 on dining (~2%), capped at 5,000 points per statement cycle combined with travel, tax and software |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 8 reward points per ₹100 on travel (~2%), airlines & OTA air/hotel bookings; direct hotel bookings earn the base retail rate. One 5,000-point statement-cycle cap shared with dining, tax and software |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility, telecom and insurance spends (~0.25%), capped at 100 points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.5% | No cap | The card's normal rate |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Taxes and government payments, only at listed merchants | 2% | ₹1,250, shared with other bonus rates | Only at: Tax paymentsTerms: 8 reward points per ₹100 on tax payments (~2%), inside the 5,000-point statement-cycle cap shared with dining, travel and software. AU pays nothing on other government payments |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on other/retail spends (~0.5%)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05AU CS Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 1.99% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, insurance cover, airport lounge access.
- Concierge service: Global concierge assistance for travel, dining and lifestyle requests
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹250 per cycle
- Insurance cover: Comprehensive Protection Cover, air accident cover ₹50 lakh, card liability cover, credit shield up to ₹5 lakh, purchase protection up to ₹25,000, and travel covers for baggage loss/delay, flight delay, loss of passport and plane hijack
- Airport lounge access: 2 complimentary domestic airport lounge visits per quarter; from 1 Oct 2026 a quarter's visits need ₹50,000 of spend in the previous calendar quarter (until then a purchase-active card was enough)
06AU CS Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card ICSI membership proof Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)
07Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Oct 2026 | Reduced: Domestic lounge visits now need ₹50,000 of spend in the quarter beforeSource: AU Small Finance Bank | 2 complimentary domestic airport lounge visits per quarter on a purchase-active card | 2 visits per quarter, only after ₹50,000 of spend in the previous calendar quarter |
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 17 Jan 2026 | Changed: AU Bank signs MoU with ICSI, opening the door to a CS-specific credit cardSource: AU Small Finance Bank | - | - |
| 2026 | Changed: AU CS Credit Card launches for Company SecretariesSource: AU Small Finance Bank | - | - |
See this card's change history → · All card changes in October 2026 →
08Cards Similar to AU CS Credit Card
AU CS Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU CS Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 1.99% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 5 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Already Have a Credit Card?
Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.
Common Questions
What is the joining fee for the AU CS Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU CS Credit Card?
The annual fee is Free.
Does the AU CS Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
