M16S / AU Small Finance Bank / AU KOSMO Credit Card
entry · cobrand, upi, lifetime-free, cashback
AU KOSMO Credit Card
The AU KOSMO Credit Card charges no annual fee and no joining fee. Its base return is 0.5% (0.5% on online and other card spends). The forex markup is 3.49%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- 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. Kiwi Neon is a paid membership sold in the Kiwi app; its price was not found on the pages read. |
Rewards
| Reward currency | Kiwis |
|---|---|
| Base earnunverified | 0.5% on online and other card spends |
| Base returnunverified | 0.5% |
| Point valueunverified | 1 Kiwi = Rs 0.25 (aggregator) |
| Accelerated earnunverified | 1.5% on UPI Scan & Pay via the Kiwi app. With Kiwi Neon: 2% on UPI Scan & Pay and milestone cashback of 3% / 4% / 5% at Rs 50,000 / Rs 1 lakh / Rs 1.5 lakh annual spend. |
| Spends that earn nothing | Cash, rent, education & government, insurance, EMI, fuel, BBPS (issuer page) |
| Reward notes | Earn percentages are from Kiwi's site and Card Insider; the AU page gives no rates. base_return_pct = 0.5% as stated by Kiwi. Rewards post on statement date and are redeemed in the Kiwi app. |
Travel and perks
| Domestic loungeunverified | None on base card; Kiwi Neon gives one lounge visit at each annual spend milestone (Rs 50,000 / Rs 1 lakh / Rs 1.5 lakh) |
|---|---|
| International lounge | None |
| Lounge conditionsunverified | Neon membership and spend milestones required (aggregator) |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| 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 | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Apply through the Kiwi app. Kiwi also runs co-brands with other banks; this entry is the AU-issued card. |
Questions
- What is the annual fee of the AU KOSMO Credit Card?
- No annual fee.
- Does the AU KOSMO Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the AU KOSMO Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU KOSMO Credit Card?
- Cash, rent, education & government, insurance, EMI, fuel, BBPS (issuer page)