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AU Bank KOSMO Credit Card
RuPay
AU Bank KOSMO Credit Card
AU Bank's lifetime-free RuPay card built and marketed through the Kiwi app, aimed squarely at UPI-first spenders who want credit-card rewards on everyday QR payments. Cashback scales with how actively the linked Kiwi app is used, so casual users see a fairly plain 1.5% while active users can push higher. No annual fee makes it low-risk to hold as a secondary UPI card.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.5% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver (up to ₹100 per statement cycle) on fuel transactions between ₹400 and ₹5,000.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Powered by Kiwi: up to 5% cashback for premium app users on offline UPI spends, 1.5% for regular users.
- 1% fuel surcharge waiver (up to ₹100 per statement cycle) on fuel transactions between ₹400 and ₹5,000.
- RuPay network card that links directly to UPI for both online and in-store QR payments.
Pros
- + Zero joining and annual fee
- + RuPay card usable directly for UPI QR payments
- + Cashback scales up for active app users
- + Add-on cards available for family members
Cons
- − Best rewards require using the separate Kiwi app
- − Reward rate for casual/offline-app users is modest
- − Limited benefits beyond cashback and fuel waiver