AU Small Finance Bank Business Cashback Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

Annual fee

₹99 a year.

₹99 per month + applicable charges

What it gives back

1% Cashback on the Repayment of Total Amount Due.

Read from 6 AU Small Finance Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

3.49% forex markup: of the 291 other open cards whose forex markup we have read, 92 state a lower one, 10 state the same and 189 state a higher one.

Changed on 2026-10-07: fuel benefit is now 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, up to ₹100 — see what changed

Fees

Annual fee
₹99 a year.₹99 per month + applicable charges
Fee waiver rule
Monthly fee waiver – ₹10,000 retail spends done within card statement cycle
Add-on card fee
Your Add on card comes free for lifetime!

Rewards

Card benefits

Lounge benefit
8 complimentary railway lounge access every year.
Dining programme
Up to 30% discount on appetizing food at our selected 300+ partnered restaurants in 30 cities

Also included

Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, up to ₹100
Insurance benefit
Business insurance cover: Cash in Counter ₹25,000; Cash in Transit and Public Liability ₹1.5 Lacs each; Fire Insurance and Burglary & Housebreaking ₹2 Lacs each.
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 worth ₹2,000 or more into easy EMI options.

Charges

Forex markup
3.49% on foreign currency transactions.
Dynamic currency conversion markup
3.49%3.49% cross currency markup on foreign currency transactions, including dynamic and static conversion transactions
Cash advance fee
2.5% of the Cash withdrawal amount or ₹500, whichever is higher.
Cash withdrawal limit
Cash advance limit: 30% of the card limit.
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 minimum of ₹500, whichever is higher, on return or failure of card payment (cheque, ECS/NACH, autopay)
Card replacement fee
₹100
Cash payment / cash deposit fee
NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.
EMI conversion fee
Processing fee of 1% of the amount converted to EMI, subject to a minimum of ₹99 + GST
Foreign ATM fee
2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.
GST note
GST at 18% presently applies on all fees, interest and other charges and is subject to change

Eligibility

Age the primary cardholder must be
Primary cardholder between the age of 25 years and 65 years.
Eligibility
Primary cardholder between the age of 25 years and 65 years; Add-on cardholder should be over 18 years; Resident Indian.

In the terms, not the brochure (1)

Whether carrying a balance ends the interest-free period
Interest free period is applicable only if all previous dues are paid in full and no unpaid balance is carried forward from earlier/previous months; interest free period is suspended if the Total Amount Due is not cleared by the due date

How we know - 6 documents from AU Small Finance Bank, checked 19 Oct 2026

6 documents from AU Small Finance Bank, checked 19 Oct 2026.

On these lists

₹99 a year

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