M16S / AU Small Finance Bank / AU Tejas Credit Card
entry · rewards, cashback
AU Tejas Credit Card
The AU Tejas Credit Card costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.25% (1 RP per Rs 100). The forex markup is 3.49%. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 0.25%
- 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 | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Rs 500 + GST joining fee on activation, no waiver. Renewal waived on Rs 1.5 lakh retail spend in previous anniversary year. |
Rewards
| Welcome benefit | 2,000 bonus RP or Rs 500 brand voucher on activation and first transaction within 30 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 100 |
| Base return | 0.25% |
| 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 | 5 RP per Rs 100 on AU Rewardz spends. 10% cashback, max Rs 50 a month each (min txn Rs 150, once a month per category), on District movies, Amazon grocery, Zomato, cabs and bill payments via AU 0101. |
| Caps | Utility & telecom 100 RP per transaction; merchant cashback Rs 50 per category per month |
| 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) |
| Milestone benefits | 500 bonus RP for 5 transactions of Rs 500+ in a statement cycle |
| 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 = 1 RP per Rs 100 x Rs 0.25. |
Travel and perks
| International lounge | None |
|---|---|
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
| Other freebies | Card liability cover, credit shield, device protection; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2 |
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 | Page shows a lounge icon but gives no counts or conditions. 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 Tejas Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the AU Tejas Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the AU Tejas Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Tejas Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash