CashbackVisaRuPayMidActive
AU Business Cashback Credit Card
AU Small Finance Bank
Joining FeeLifetime FreeRenewal Fee₹1,188Waived at ₹10,000 annual spend
Last verified: 26 Sept 2026
Reward Program
Cashback1 point = ₹1.00
Redemption fee: 0
🔁
Managed via Statement credit
Transfer partners
Direct statement cashback — 1:1 with rupees.
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | ₹1,188/yr |
| Fee Waiver | Spend ₹10,000/year |
| Forex Markup | 3.49% |
| Interest Rate | 41.88% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
