AU Kosmo Credit Card

Joining feeRenewal fee

₹0

EMI spend earning

Kiwi rewards are not earned on EMI.

Fuel earning

Kiwi rewards are not earned on fuel.

Government spend earning

Kiwi rewards are not earned on education & govt.

Insurance spend earning

Kiwi rewards are not earned on insurance.

Online earning

Get Kiwi rewards on eCom, POS & contactless transactions.

Rent earning

Kiwi rewards are not earned on rent.

Fuel surcharge waiver

1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country; maximum ₹100 per statement cycle

Lost card liability

Card Liability Cover: Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

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

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI

Forex markup

3.49% on foreign currency transactions.

Cash advance fee

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

Interest on unpaid balance

3.75% per month (45% 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2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.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

Age the primary cardholder must be

Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.