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AU Business Cashback RuPay Credit Card
RuPay
AU Business Cashback RuPay Credit Card
AU Small Finance Bank built the Business Cashback RuPay card specifically for self-employed individuals and MSMEs, charging a low ₹99/month membership fee (about ₹1,188/year) that's waived entirely in any month with ₹10,000 of retail spend. It's a straightforward flat-2%-cashback card rather than a tiered rewards program, aimed at very small businesses that want simple, predictable savings without navigating a complicated points table.
Annual fee
₹99
Joining fee
₹99
Reward type
cashback
Base reward rate
2%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 650+ whose spend is concentrated in utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Up to 30% off at 300+ partner restaurants under the Silver Spoon Dining programme
- Rewards rate: 2% base rate
- Insurance benefits: Fire, housebreaking and burglary insurance cover for the business
Benefits by category
- 🍽️ Dining & food delivery
Up to 30% off at 300+ partner restaurants under the Silver Spoon Dining programme
- 🛡️ Insurance
Fire, housebreaking and burglary insurance cover for the business
- 🧾 Utilities
2% reward rate
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,000
- Rewards redemption fee: Cashback is credited directly to the statement, no separate redemption fee
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Flat 2% cashback on eligible business spends, credited directly to the statement
- Fire, housebreaking and burglary insurance cover for the business
- Up to 30% off at 300+ partner restaurants under the Silver Spoon Dining programme
Pros
- + Flat 2% cashback on business spends with no complicated category table
- + Monthly ₹99 fee is waived automatically once ₹10,000 is spent that month
- + Built-in fire/burglary insurance is unusual for an entry-level business card
- + RuPay network keeps it usable on UPI-linked credit card rails
Cons
- − Small finance bank, so credit limits tend to be modest versus large private banks
- − No airport lounge access or premium travel benefits
- − 3.5% forex markup makes it a poor choice for international business spend