AU Small Finance Bank
CheQ AU Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.5% base, up to 2.5% on dining; 6% only at partner merchants
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 markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹150 a month
01CheQ AU Credit Card Rewards and Benefits
02CheQ AU Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹150 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 2.5%₹125
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,400 a year₹200
- In your pocket each year₹2,400
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
- Utility bills only at CheQ app utility bills and CheQ Travel: 6% back, up to ₹6,000 a month
- Online shopping: 2.5% back, up to ₹6,000 a month
- Anyone who wants no annual fee, ever
Skip it if…
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on CheQ app utility bills and CheQ Travel: the 6% rate applies only there, everything else earns 0.5%
- 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
04How CheQ AU Credit Card earns Rewards
0.5% base, up to 2.5% on dining; 6% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Not stated | - | the card's terms give UPI a rate of its own we cannot read as a number |
| Online shopping | 2.5% | ₹6,000, shared with other bonus rates | All merchants in the categoryTerms: 10 CheQ pts/₹200 (5% face, ~2.5% real at ₹0.50/pt) on shopping MCCs across 10,000+ brands, on the Visa card or CheQ UPI; the RuPay card at POS or online earns the 1% base; 12,000 pts monthly cap shared across accelerated categories |
| Dining and food delivery | 2.5% | ₹6,000, shared with other bonus rates | All merchants in the categoryTerms: 10 CheQ pts/₹200 (5% face, ~2.5% real at ₹0.50/pt) at restaurants and fast food (MCC 5812, 5814), on the Visa card or CheQ UPI; the RuPay card at POS or online earns the 1% base; 12,000 pts monthly cap shared across accelerated categories |
| Groceries | 2.5% | ₹6,000, shared with other bonus rates | All merchants in the categoryTerms: 10 CheQ pts/₹200 (5% face, ~2.5% real at ₹0.50/pt) at grocery stores and supermarkets (MCC 5411, 5499), on the Visa card or CheQ UPI; the RuPay card at POS or online earns the 1% base; 12,000 pts monthly cap shared across accelerated categories |
| Travel: flights, hotels, trains | 2.5% | ₹6,000, shared with other bonus rates | All merchants in the categoryTerms: 10 CheQ pts/₹200 (5% face, ~2.5% real at ₹0.50/pt) on airlines, hotels, rail, buses, taxis and travel agencies, on the Visa card or CheQ UPI; the RuPay card at POS or online earns the 1% base; 12,000 pts monthly cap shared across accelerated categories |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | No cap | Anywhere else in the category |
| Bills and recharges, only at listed merchants | 6% | ₹6,000, shared with other bonus rates | Only at: CheQ app utility bills and CheQ Travel; partner brands Amazon, Flipkart, Zomato, BigBasket and Apple products at Unicorn, on the Visa card or CheQ UPITerms: 24 CheQ pts/₹200 (12% face, ~6% real at ₹0.50/pt) on utility bills and CheQ Travel paid in the CheQ app, and at partner brands on the Visa card or CheQ UPI (the RuPay card earns 1% there); 12,000 pts monthly cap shared across accelerated categories |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| 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 | Earns nothing | - | earns nothing on this card |
| 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 CheQ pts/₹200 (1% face, ~0.5% real) on all other spends, including RuPay-card POS and online spends at partner brands and in the 5% categories, uncapped; other UPI via the CheQ app earns 5 pts/₹200; UPI outside the CheQ app earns nil
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
05CheQ AU Credit Card Travel Benefits
Spending abroad carries a 3.49% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover.
- Fuel surcharge waiver: 1% fuel surcharge waiver, max ₹150 a month (on ₹500 to ₹5,000 transactions)
- Insurance cover: Comprehensive protection cover, Air Accident Cover ₹50 lakh, Credit Shield up to ₹5 lakh, Purchase Protection up to ₹25,000, plus travel-related covers
06CheQ AU Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. PAN card Aadhaar (in-app KYC) 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 |
|---|---|---|---|
| 7 Jul 2026 | Changed: CheQ AU becomes lifetime-freeSource: AU Small Finance Bank | ₹499 joining + ₹499 annual, reversible on ₹3 lakh annual spends | Lifetime free (one-time ₹999 + GST applies only to the optional LED Visa variant) |
| 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 |
| 28 Apr 2026 | Changed: CheQ AU Credit Card launched, India's first co-branded LED cardSource: AU Small Finance Bank | - | Up to 12% CheQ-points on utilities, partner brands & CheQ Travel via the app; ₹499 fee (waived at ₹3 lakh); RuPay UPI-linkable |
See this card's change history → · All card changes in July 2026 →
08Cards Similar to CheQ AU Credit Card
CheQ AU Credit Card is a utility bills card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | CheQ AU Credit Card |  HSBC Live Plus Credit Card |  HDFC Bank UPI RuPay Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹99 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹99 + GST |
| Rewards | 0.5% base, up to 2.5% on dining; 6% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 0.75% on groceries |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Utility bills | Dining | Grocery |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your CheQ AU 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
What is the joining fee for the CheQ AU 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 CheQ AU Credit Card?
The annual fee is Free.
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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