AU Small Finance Bank
AU Tejas Credit Card
Data last verified: 6 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.25% on most spends; 10% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The Tejas is a discount card. You get 10% instant discount on movies through District, Amazon grocery, Zomato, bill payments in the AU 0101 app and cabs like Uber, Ola and Rapido, capped at Rs 250 a month. Flights, hotels, vouchers and bills booked through AU Rewardz earn 5 points per Rs 100. Other spends earn 1 point, about 0.25%.
It costs ₹500 a year and the fee is waived once you spend ₹1,50,000 in the year. The welcome voucher worth Rs 500, or 2,000 points, covers the first year. Two months of maxed discounts cover each year after.
It suits young users who order food and book cabs often. The catch is the low base rate outside the discount apps.
Best for: Food delivery users, People who take cabs often, Young earners.
01AU Tejas Credit Card Rewards and Benefits
02AU Tejas Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.25%₹50
- Back each month, ₹600 a year₹50
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹600
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 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
Skip it if…
- 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
04Product Details
- Joining and annual fee: ₹500 each
- Fee waived on ₹1,50,000 annual spend
- 10% off on movies, Zomato, Amazon grocery, cabs and bills, up to ₹250 a month
- 5 points per ₹100 via AU Rewardz
- 1 point per ₹100 on other spends
- ₹500 voucher or 2,000 points on activation and first spend
05Pros and Cons
Pros
- Discounts on everyday apps
- Welcome benefit covers the first year
- 500 bonus points for 5 transactions in a cycle
Cons
- Discounts capped at ₹250 a month
- Low 0.25% base reward
- No lounge access
- 3.49% forex markup
06How AU Tejas Credit Card earns Rewards
0.25% on most spends; 10% only at partner merchants.
| 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 | 0.25% | 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 |
Terms on the base 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
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU Tejas Credit Card Travel Benefits
Spending abroad carries a 3.49% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
08AU Tejas Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 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 |
| 4 May 2026 | Changed: AU Tejas launches as part of a four-card clusterSource: AU Small Finance Bank | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU Tejas Credit Card
AU Tejas 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 Tejas Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% on most spends; 10% only at partner merchants | 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 | Not included | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 6 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Tejas Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, once you spend ₹1,50,000 in a year. Below that the fee plus GST is charged.
Where do I get the 10% discount?
On movies through District, Amazon grocery, Zomato, bill payments in the AU 0101 app and cab rides, up to ₹250 a month.
What is the joining fee for the AU Tejas Credit Card?
The joining fee is ₹500 + GST. 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 Tejas Credit Card?
The annual fee is ₹500 + GST.
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.
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