M16S / AU Small Finance Bank / AU CS Credit Card
mid · rewards, lifetime-free, business
AU CS Credit Card
The AU CS Credit Card charges no annual fee and no joining fee. Its base return is 0.5% (2 RP per Rs 100 on retail categories). The forex markup is 1.99%. Lounge visits in India: 2 per calendar quarter. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 1.99%
- Interest
- —
What changed on this card
- AU CA and CS cards move to Rs 50,000 quarterly spend for lounges, Oct 2026
From 1 October 2026 the revised domestic lounge terms apply to the AU CA and AU CS cards: net retail spend of at least Rs 50,000 in a calendar quarter earns complimentary domestic lounge access in the next quarter. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free for members of ICSI. |
Rewards
| Welcome benefit | 2,000 bonus RP on Rs 5,000 spend within 30 days; SwiggyOne quarterly membership on Rs 10,000 spend within 30 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 on retail categories |
| Base return | 0.5% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 8 RP per Rs 100 on dining, travel, tax payments and software purchases; 1 RP per Rs 100 on utility, telecom and insurance |
| Caps | 5,000 RP per statement cycle on dining, travel, tax and software; utility & telecom 100 RP per transaction |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | 2 per calendar quarter |
|---|---|
| International lounge | None |
| Lounge conditions | Card must stay purchase-active during the quarter; no spend amount stated |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 per statement cycle |
| Other freebies | 25% cashback on annual ICSI membership fee renewal; air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; concierge; zero-fee Xpress EMI; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2 |
Charges and eligibility
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
|---|---|
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | ICSI members (Company Secretaries). Resident Indian; salaried 21-60, self-employed 25-65. |
| Fine-print notes | Forex markup and interest rate for AU CS could not be mapped from the KFS text. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU CS Credit Card?
- No annual fee.
- Does the AU CS Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter. Outside India: none listed. Conditions: Card must stay purchase-active during the quarter; no spend amount stated
- What is the forex markup on the AU CS Credit Card?
- 1.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU CS Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash