AU CA Metal Credit Card

Joining feeRenewal fee

₹0Lifetime free, no annual membership fee

Welcome benefit

2000 Bonus Reward Points on spending ₹5000 within 30 days of card activation. SwiggyOne Quarterly Dining Membership on spending ₹10,000 within 30 days of card activation.

Reward rate

8 Reward Points per ₹100 spent on Dining, Travel, Tax Payments & Software Purchases; 2 Reward Points per ₹100 spent on retail categories; 1 Reward Point per ₹100 on Utility & Telecom and Insurance spends

Reward earning on dining spends

8 Reward Points per ₹100 spent on Dining.

Travel earning

8 Reward Points per ₹100 spent on Travel.

Reward exclusions

Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. With effect from 1 st April 2026, Reward Points accrual on Transportation Merchant Category Codes will be discontinued.

Reward caps

Cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends and 5000 Reward Points per statement cycle on Dining, Travel, Tax Payments & Software Purchases.

Catalogue redemption

Get a plethora of options to redeem your Reward Points for amazing benefits.

Domestic lounge access

Enjoy up to 2 complimentary domestic lounge visits per calendar quarter within India using your AU Credit Card. Lounge access is available only if your card remains purchase‑active during the quarter.

Concierge

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

Fuel surcharge waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.

Air accident cover

Air Accident Cover: ₹50 Lacs.

Credit shield cover

Credit Shield: Up to ₹5 Lacs

Lost card liability

You carry zero liability for any fraudulent transactions made after reporting the loss of your Credit Card to the bank. This also includes protection against card counterfeit/skimming and online frauds.

Purchase protection

Purchase Protection: Up to ₹25,000

Travel insurance

Travel-Related Covers: Protection in cases of baggage loss, baggage delay, flight delay, loss of passport, and plane hijack.

Add-on card eligibility

Add-on Cardholders: 18+ years

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Now convert transactions of a minimum value of ₹2000 into EMI with zero processing fee. Club up to 20 billed or unbilled transactions for conversion.

Forex markup

1.99% on foreign currency transactions.1.99% on all international transactions

Cash advance fee

2.5% of the cash withdrawal amount or ₹500, whichever is higher.

Interest on unpaid balance

2.99% per month (35.88% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Eligibility

Self Employed: 25 years to 75 years; Salaried: 21 years to 60 years; Add-on cardholders: 18+ years; Resident Indian.