AU Small Finance Bank CS Credit Card

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 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, on ₹50,000+ spend in the previous calendar quarter (from 1 Oct 2026)
• International lounge access: Not offered

• 🍽️ 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

• ✈️ Travel

  2% reward rate (capped ₹1,250/monthly) · 2 domestic airport lounge visits per quarter, unlocked by ₹50,000 spend in the previous calendar quarter (from 1 Oct 2026)

• 🌍 Forex / international spend

  1.99% forex markup on international transactions

• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–65

• 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• Cash advance charges: 2.5% of the amount withdrawn (minimum ₹500); cash limit 20% of the credit limit

• 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 of activation
• 25% cashback on the annual ICSI membership renewal fee
• 2 domestic airport lounge visits per quarter, unlocked by ₹50,000 spend in the previous calendar quarter (from 1 Oct 2026)
• Global concierge assistance