Curated Millennial Lifestyle Rewards, Dining & Digital Subscriptions
₹499
One-time upfront₹499
Waived on ₹80,000 annual spend1% cashback on all standard merchant UPI transactions
On eligible spends3.49% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Kosmo Credit Card is AU Small Finance Bank's digital lifestyle card crafted for millennials, tech workers, and young urban professionals who concentrate their spending on app-based convenience services. Its key strength is an aggressive rewards matrix: cardholders earn up to 4X reward points on online food delivery (Swiggy, Zomato), OTT streaming subscriptions, and e-commerce shopping, translating to an effective return of up to 2.00% on everyday digital spending. The card carries an accessible ₹499 annual fee, which is waived upon spending ₹80,000 in an anniversary year. It also features a 1% fuel surcharge waiver and zero liability protection against digital card skimming. Limitations include standard 3.49% forex charges, a lack of complimentary airport lounge access, and monthly reward caps on accelerated merchant categories. For young professionals seeking higher value back on daily food orders and digital subscriptions without high annual maintenance, the Kosmo card delivers attractive everyday utility.
1.5% Cashback on UPI Scan & Pay Transactions and 0.5% Cashback on Online and Offline Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Kiwi UPI Scan & Pay | 2% cashback on UPI Scan & Pay transactions via Kiwi app (capped at ₹500/month) | 500 INR (₹)/mo | Standard terms apply |
| Retail Spends | 2 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 |
|---|---|---|---|---|---|---|
| Kiwi UPI Scan & Pay | ₹6,000 | 2% cashback on UPI Scan & Pay transactions via Kiwi app (capped at ₹500/month) | — | ₹500/monthly | Calculating... | Under cap |
| Retail Spends | ₹6,000 | 2 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-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for AU Kosmo Credit Card: • Joining & Annual Fee: ₹499 + GST; annual renewal fee completely waived on cumulative annual spends of ₹80,000 or more. • Digital Spend Accelerator: Earn 4 reward points per ₹100 spent on food delivery apps (Zomato, Swiggy) and OTT entertainment subscriptions. • Standard Rewards: 1 reward point per ₹100 on general retail and utility transactions; 1 reward point = ₹0.25 on AU Rewardz. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across domestic petrol pumps. • Finance Charges: 3.33% per month (40.0% annualized) on overdue revolving balances. • Foreign Exchange Markup: 3.49% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹499 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 Kosmo 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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