Innovative co-branded credit card with CheQ featuring LED lighting and accelerated rewards on credit card bill payments.
Free
One-time upfrontFree
Waiver on milestone1% on all standard retail transactions
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Officially verified as an ACTIVE product launched in April 2026 and showcased at the Global Fintech Fest in September 2026 (corrected from previously mislabeled discontinued status). Its patented LED illumination lights up during contactless transactions, and it rewards credit-smart users with high CheQ Point conversion. Who should get it: Users who manage and pay their multiple credit card bills via CheQ.
24 CheQ Points/₹200 Spent on Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and Utility Bill Payments Through the CheQ App. Get 10 CheQ Points/₹200 Spent on Online Shopping, Food Delivery, Groceries, and Travel Bookings Across India’s Leading Brands, 5 CheQ Points/₹200 on CheQ UPI Transactions, 2 CheQ Points/₹200 for Other Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| CheQ App Bills, Subscriptions & Dining | 4X CheQ Points on utility bill payments, digital subscriptions, and dining via CheQ app (capped at 2,000 Points/month) | 2,000 Other Points/mo | Standard terms apply |
| General Spends | Legacy rules preserved for grandfathered cardholders | No Cap | Standard terms apply |
Rule-by-rule calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Raw Reward | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| CheQ App Bills, Subscriptions & Dining | ₹12,000 | 2.5% | ₹300 | ₹500/monthly | ₹300 / mo | Under cap |
| General Spends | ₹18,000 | 0.5% | ₹90 | None | ₹90 / mo | Under cap |
| Total Monthly Cashback | ₹30,000 | - | ₹390 | - | ₹390 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹4,680
1.3% blended return₹0
Standard renewal+₹4,680 / 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
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding CheQ AU Credit Card application, fees, reward redemption, and eligibility
The joining fee for CheQ AU Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by AU Small Finance Bank from time to time.
CheQ AU Credit Card offers 1% on all standard retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, CheQ AU Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Applicants must be Indian residents aged 21 to 65 years with a regular verifiable income (typically ₹25,000 per month) and a recommended CIBIL credit score of 720+ for paperless digital approval.
You can apply directly through the official AU Small Finance Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official AU Small Finance Bank portal with paperless verification.