M16S / AU Small Finance Bank / AU Purchase Credit Card
mid · business, lifetime-free
AU Purchase Credit Card
The AU Purchase Credit Card charges no annual fee and no joining fee. It earns No rewards on the standard card (a 'Reward' variant is named in the KFS without details). Lounge visits in India: 8 per year (max 2 per quarter). Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- —
- Interest
- —
Apply on au.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | No joining or annual fee for corporates (commercial KFS v1.0, 16 Jul 2026). |
Rewards
| Base earn | No rewards on the standard card (a 'Reward' variant is named in the KFS without details) |
|---|
Travel and perks
| Domestic lounge | 8 per year (max 2 per quarter) |
|---|---|
| International lounge | None |
| Other freebies | Web-based expense management, MCC restrictions and spend limits on employee cards; meant for GST/tax, utility, procurement and capex payments. Up to 48 days interest-free. |
Charges and eligibility
| Eligibility | Corporate entities and businesses per AU policy; no thresholds published |
|---|---|
| Fine-print notes | Commercial KFS lists finance charges of up to 3.49% (Corporate) and 1.99% (Purchase) per month but the table text was garbled; left null. Secured Corporate and Secured Purchase variants are also named in the KFS. Retail fair-usage fees do not apply to these cards. |
Questions
- What is the annual fee of the AU Purchase Credit Card?
- No annual fee.
- Does the AU Purchase Credit Card give airport lounge access?
- Yes. In India: 8 per year (max 2 per quarter). Outside India: none listed.