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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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
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
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: self-employed
- Age: 21–60
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