Bespoke Professional Privileges for Company Secretaries
ICSI members, corporate legal practitioners, and domestic lounge travel
Free
One-time upfrontFree
Lifetime Free — no renewal fee2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter + 4 International visits/year · ₹50k quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU CS Credit Card is a specialized co-branded professional credit card created exclusively for members and fellows of the Institute of Company Secretaries of India (ICSI). Its greatest strength is its extraordinary cost-to-benefit ratio: issued Lifetime Free (LTF) with zero joining fee and zero annual charges, it packs premium travel benefits typically found on cards charging ₹3,000 to ₹5,000. Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) across major Indian terminals, paired with an industry-leading concessional forex markup of just 1.99% + GST. It also earns accelerated reward points on professional subscriptions, corporate legal seminars, and dining. The primary limitation is strict eligibility: applicants must be active, certified members of ICSI with valid membership documentation. For practicing or employed Company Secretaries, this card is unequivocally one of the finest professional affinity cards available in India.
8 Reward Points Per ₹100 Spent on Dining, Travel, Tax Payments and Software Purchases; 2 Reward Points Per ₹100 Spent on Retail Categories; 1 Reward Point per ₹100 Spent on Utility, Telecom and Insurance Spends
2000 Bonus Reward Points on Spending ₹5000 within 30 Days of Card Activation and SwiggyOne Quarterly Dining Membership on Spending ₹10,000 Within 30 Days of Card Activation
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Professional & Corporate Filings Spends | 10 Reward Points per ₹100 spent on compliance software and professional expenses | No Cap | Standard terms apply |
| Tax Payments, Software, Travel & Dining | 8X Reward Points on statutory tax payments, compliance software, travel, and dining | 5,000 Reward Points / statement cycle | Standard terms apply |
| Other Retail Spends | 4 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Professional & Corporate Filings Spends | ₹6,000 | 10 Reward Points per ₹100 spent on compliance software and professional expenses | — | None | Calculating... | Under cap |
| Tax Payments, Software, Travel & Dining | ₹6,000 | 8X Reward Points on statutory tax payments, compliance software, travel, and dining | — | ₹5,000/statement_cycle | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 4 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for AU CS Credit Card: • Eligibility: Exclusively for certified Members/Fellows of the Institute of Company Secretaries of India (ICSI) with valid ACS/FCS registration. • Joining & Annual Fee: Lifetime Free (LTF) with ₹0 joining fee and ₹0 annual recurring charges. • Concessional Forex Markup: Competitive 1.99% + GST on international transactions, much lower than standard 3.50% rates. • Domestic Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) at participating terminals across India. • Reward Accrual: Earn accelerated reward points on professional ICSI dues, legal subscriptions, and dining; 1 point per ₹100 on standard retail. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 across domestic petrol pumps. • Finance Charges: 2.99% per month (35.88% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU CS Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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Rewards: 4 points/₹100 intl, 2 points/₹100 domestic
Lounge access: 4 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)
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Rewards: 1 RP / ₹100 on retail transactions
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