AU Rewardz: how AU Small Finance Bank credit card points are redeemed, and what the terms say

What is AU Rewardz and how do I log in?

AU Rewardz is AU Small Finance Bank's rewards portal. AU's welcome benefit terms for the Ananta, Tejas, Laksya, CA and CS cards say you check and redeem reward points on the AU Rewardz portal by logging in with your registered mobile number.

AU's Schedule of Charges, version 1.9 of 2 November 2026, lists customercare@rewardz.aubank.in and 1800 889 1888 for reward point queries. The documents we read do not name a company that runs the portal. AU's 2026 press release says Ananta travel bookings on AU Rewardz come with 3-month no-cost EMI.

What does AU charge to redeem points?

Rs 99 + GST on each successful redemption. AU's Card Member Agreement (clause 23.17), its MITC version 2.23 of 2 November 2026 and its Schedule of Charges all state this fee. AU's notice of 2 June 2023 introduced it for all AU credit card variants from 5 July 2023.

On a Rs 1,000 voucher, the fee of Rs 99 plus 18% GST, about Rs 117, is close to 12% of the voucher's value.

What is an AU reward point worth?

Rs 0.20 when redeemed for gift cards, vouchers or e-vouchers, on every AU credit card, under AU's revision notice effective 5 July 2023. The same notice says values for other redemption types stayed unchanged but does not state them.

AU's Card Member Agreement says the conversion rate differs by card variant and sends you to your card's webpage for it. We could not open AU's card pages on 9 November 2026, so we do not list other values here.

How many points can I earn in a statement cycle?

AU's Card Member Agreement caps reward points per statement cycle by card. Most cards, including Ananta, Laksya, Tejas, Prathama, Vetta, Zenith, Altura Plus, Xcite, AU CA and AU CS, are capped at 25,000 points a cycle. Several cards also have lower caps on single categories.

Rent, education and government, and BBPS transactions earn no points. Utility and telecom spends earn 1 point per Rs 100, up to 100 points a transaction. EMI, fuel, cash withdrawals and fees earn nothing, and converting a purchase to EMI reverses its points. Points are earned in multiples of Rs 100.

From AU's Credit Card Member Agreement, clauses 23.5 to 23.5.2, read 9 November 2026.

How does the AU Ananta lounge access through AU Rewardz work?

AU Ananta holders get complimentary domestic airport lounge access in a calendar quarter after spending at least Rs 5,000 on a flight booked through AU Rewardz, under AU's lounge terms dated 1 March 2026. The booking can be paid on the card or with points plus the card, as long as it totals Rs 5,000 or more.

A one-way ticket gives 1 lounge QR code and a return ticket gives 2, up to 4 a quarter by boarding date. The QR can be generated within 7 days of travel, works once, and is void if the booking is cancelled or refunded. Only bookings by the primary cardholder count.

When do AU reward points expire or get forfeited?

Points are valid for 2 years from the date they are earned, under clause 23.8 of AU's Card Member Agreement. You lose them sooner if the card goes unused for 12 months or more, if it is closed by you or the bank, or if you are more than 90 days late on the minimum amount due.

The agreement also forfeits points if the card is used to buy goods for resale or business, and lets AU cancel points on a card in arrears or suspected of fraud. Only the primary cardholder can redeem, and add-on points pool into the primary account.

Can I cancel an AU Rewardz order?

No. Clause 23.16 of AU's Card Member Agreement says redemption orders once given to the bank cannot be cancelled, withdrawn or changed. Disputes about vouchers go to the third-party vendor directly, under clause 23.15.

AU can also set daily, monthly or yearly redemption limits and change them without notice, and can change the range of products on offer. Missing points must be claimed by email to creditcard.support@aubank.in with a copy of the receipt or statement.