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AU Small Finance Bank
AU Tejas Credit Card
Visa
AU Tejas Credit Card
An entry-level card for young salaried professionals from AU's 2026 portfolio, with accelerated rewards steered toward the AU Rewardz shopping portal.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: ₹99 + GST per redemption request
- 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- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction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
- 2,000 Reward Points or a ₹500 brand voucher on activation and 1st transaction
- 5X points on spends via the AU Rewardz portal
Pros
- + Low, easily-waived annual fee (₹1.5L/year spend)
- + 5X points via AU Rewardz portal
- + Accessible eligibility bar
Cons
- − Accelerated rate only applies within the AU Rewardz portal, not general dining/food delivery
- − No lounge access
- − Modest base reward rate