All cards / AU Small Finance Bank
AU Small Finance Bank CA Metal Credit Card
A lifetime-free metal card AU built with ICAI for chartered accountants. It earns about 2% (8 points per ₹100) on dining, travel, tax payments and software, which covers a lot of a practising CA's spending, plus 25% cashback on ICAI renewal and a lower 1.99% forex markup.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Reward redemption: AU Rewardz portal: e-vouchers, merchandise, recharges, flight/hotel bookings
- Domestic lounge access: Up to 2 complimentary domestic lounge visits per calendar quarter (card must be purchase-active in the quarter)
- International lounge access: Not offered
- Insurance benefits: Air accident cover ₹50 lakh; credit shield up to ₹5 lakh; purchase protection up to ₹25,000; baggage loss/delay, flight delay and passport loss covers
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate (capped ₹1,250/monthly) · 8 reward points per ₹100 on dining, travel, tax payments and software purchases (max 5,000 points per statement), 2 per ₹100 on other retail, 1 per ₹100 on utility/telecom/insurance · 2,000 bonus points on spending ₹5,000 within 30 days, plus a quarterly Swiggy One dining membership on spending ₹10,000 within 30 days
- ✈️ Travel
2% reward rate (capped ₹1,250/monthly) · 2 domestic airport lounge visits per quarter
- 🛡️ Insurance
₹50 lakh air accident cover, ₹5 lakh credit shield and ₹25,000 purchase protection
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–75
Fees & charges
- Rewards redemption fee: ₹99 + GST
- Foreign currency markup: 1.99%
- Interest rate: 2.99% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400–₹5,000, up to ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn (minimum ₹500); cash limit 20% of the credit limit
Benefits
- 8 reward points per ₹100 on dining, travel, tax payments and software purchases (max 5,000 points per statement), 2 per ₹100 on other retail, 1 per ₹100 on utility/telecom/insurance
- 2,000 bonus points on spending ₹5,000 within 30 days, plus a quarterly Swiggy One dining membership on spending ₹10,000 within 30 days
- 25% cashback on the annual ICAI membership renewal fee, once per card year
- 2 domestic airport lounge visits per quarter
- ₹50 lakh air accident cover, ₹5 lakh credit shield and ₹25,000 purchase protection
- Global concierge assistance
Pros
- + Lifetime free metal card
- + About 2% back on tax payments, software, dining and travel
- + 25% cashback on ICAI membership renewal; 1.99% forex markup; lower 2.99% p.m. interest rate
Cons
- − Only for ICAI members
- − Accelerated points capped at 5,000 per statement (about ₹1,250)
- − Domestic lounge access only; fuel, rent, education and government spends earn nothing