AU Small Finance BankRuPay Network

Verified

Direct Bank Application via Official Issuer Portal

Shopping

4.0/5 Editorial Score

AU Tejas Credit Card

Everyday Retail Card with 3X Shopping Multipliers & Achievable Fee Waiver

Best Suited For

Household grocery runs, departmental store shopping, family dining, and utility payments

Shopping

Joining Fee

₹500

One-time upfront

Annual Fee

₹500

Waived on ₹1.5 lakh annual spend

Base Rewards

1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.0/5 Editorial Score

The AU Tejas Credit Card is a dependable family retail credit card designed by AU Small Finance Bank for middle-income households across Tier-1, Tier-2, and Tier-3 cities. Its core value lies in daily consumption categories: cardholders earn accelerated reward multipliers on supermarket groceries, departmental store clothing purchases, and family dining. The ₹500 annual renewal fee is fully waived upon achieving ₹1,50,000 in retail spending per year. Cardholders also benefit from a standard 1% fuel surcharge waiver and complimentary add-on cards. Limitations include lack of domestic airport lounge access and standard 3.50% forex markups. Who should consider it: Family grocery shoppers and salaried earners looking for consistent points on supermarket and departmental store bills with an easily achievable spend waiver. Who should avoid it: Frequent fliers who prioritize complimentary lounge access or co-branded airline air miles.

Ideal For:Household grocery runs, departmental store shopping, family dining, and utility payments

Shopping

Card Strengths

Accelerated Grocery & Retail Points: Earn multiplied reward points across departmental stores, supermarket groceries, and family dining.
Spend-Based Fee Waiver: Annual fee of ₹500 is completely waived upon spending ₹1,50,000 or more in the preceding year.
1% Fuel Surcharge Waiver: Save on fuel fills across Indian petrol pumps on transaction values between ₹400 and ₹5,000.
Complimentary Add-On Privileges: Share credit limits and card privileges with up to two family members at zero additional fee.
Comprehensive Fraud Protection: Zero liability on unauthorized fraudulent transactions when reported immediately.

Things to Keep in Mind

₹500 Annual Fee: Annual fee of ₹500 applies if the annual spending threshold of ₹1.5 Lakhs is missed.
No Airport Lounge Access: Does not provide complimentary domestic or international airport lounge visits.
Standard 3.50% Forex Fee: Incurs regular foreign exchange markups on international expenditures.
Reward Redemption Charges: Nominal processing fee may apply when redeeming accrued reward points for gift cards.

Additional Cardholder Privileges

Rewards

5 Reward Points/₹100 Spent via AU Rewardz on Flights, Hotels, Voucher Shopping, Bill Payments, etc, 1 Reward Point/₹100 Spent on All Other Categories

Welcome

Welcome Benefit 1

Brand Vouchers Worth ₹500 or 2,000 Reward Points

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: AU Tejas Savings & Rewards
Reward Currency: Reward Points
Base Earn Rate: 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for shopping vouchers and travel on AU Rewardz.
Reward Point Expiry: Points valid for 2 years.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Daily Partner Apps (Zomato, Amazon, Cabs)	10% instant discount/cashback (max ₹50/month per category) on Zomato, Amazon Fresh, District movies, Uber/Ola, and bill payments	250 INR (₹)/mo	Standard terms apply
General Spends	2 Reward Points per ₹100 spent	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Daily Partner Apps (Zomato, Amazon, Cabs)10.00%

Cap: ₹250/monthly

₹

General Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Daily Partner Apps (Zomato, Amazon, Cabs)	₹12,000	10% instant discount/cashback (max ₹50/month per category) on Zomato, Amazon Fresh, District movies, Uber/Ola, and bill payments	—	₹250/monthly	Calculating...	Under cap
General Spends	₹18,000	2 Reward Points per ₹100 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹500

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹500 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹500
Annual Spend Fee Waiver: Waived on ₹1.5 lakh annual spend
Fee Terms Notes: Annual fee of ₹500 waived on retail spends of ₹1,50,000 in preceding card anniversary year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 2.99% per month
Annualized Interest Rate (APR): 35.88% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Key Terms & Conditions for AU Tejas Credit Card: • Eligibility: Salaried and self-employed Indian residents aged 21–60 with verifiable regular income. • Joining & Annual Fee: ₹500 + GST joining fee; ₹500 + GST annual renewal fee (Waived on spending ₹1,50,000+ in preceding year). • Accelerated Categories: Enhanced reward multipliers on groceries, supermarkets, departmental stores, and dining. • Base Rewards: 1 reward point per ₹100 spent on all other eligible retail transactions. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across domestic fuel bunks. • Finance Charges: 2.99% per month (35.88% annualized) on revolving balances. • Add-On Privileges: Up to 2 complimentary add-on cards for immediate family members.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.

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Eligibility & Application Requirements

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.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding AU Tejas Credit Card application, fees, reward redemption, and eligibility

What is the annual fee of the AU Tejas Credit Card?

The annual renewal fee is ₹500 + GST, which is completely waived if you spend ₹1,50,000 or more in retail purchases annually.

Does AU Tejas Credit Card offer airport lounge access?

No, the AU Tejas Credit Card does not offer airport lounge access.

What spending categories earn the most points on AU Tejas?

Departmental stores, supermarkets, grocery retail, and dining out earn accelerated reward multipliers.

How do I redeem points earned on AU Tejas?

Points can be redeemed via the AU 0101 app or AU Rewardz portal for e-vouchers, flight tickets, and merchandise.

What is the joining and annual renewal fee for AU Tejas Credit Card?

The joining fee for AU Tejas Credit Card is ₹500 (one-time), and the annual renewal fee is ₹500 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on AU Tejas Credit Card be waived?

Yes, the annual renewal fee of ₹500 is waived upon achieving annual spends of ₹1.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on AU Tejas Credit Card?

AU Tejas Credit Card offers 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does AU Tejas Credit Card offer complimentary airport lounge access?

No, AU Tejas Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.