AU Small Finance Bank Cheq Au Credit Card
AU Small Finance Bank
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Earn rate
- CheQ AU Credit Card: 12% CheQ points (24 CheQ points per INR 200) on partnered brands or utility bills via CheQ app.
- 5% CheQ points (10 CheQ points per INR 200) on key categories.
- 2.5% CheQ points (5 CheQ points per INR 200) on UPI transactions via CheQ App.
- 1% CheQ points (2 CheQ points per INR 200) on any other category/merchant not in exclusions.
Verifiedinsurance18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Cheq Au Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
Confirm on the official page
Official source not yet captured
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- CheQ AU Credit Card: 12% CheQ points (24 CheQ points per INR 200) on partnered brands or utility bills via CheQ app.
- 5% CheQ points (10 CheQ points per INR 200) on key categories.
- 2.5% CheQ points (5 CheQ points per INR 200) on UPI transactions via CheQ App.
- 1% CheQ points (2 CheQ points per INR 200) on any other category/merchant not in exclusions.
Verifiedinsurance18 Aug 2026, 8:04 PM IST
Redemption value
- CheQ Points redemption (burn) shall be available only on the CheQ App, and no reward redemption fee shall be levied for redemption of CheQ Points under this program.
- Reward Points valid for 2 years (730 days) from date of transaction.
- Unredeemed points expire.
Verifiedinsurance18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Reward cap
- Accelerated rewards (e.g., 12% on CheQ App and partner brand spends / 5% on select categories) are capped at 12,000 CheQ Points per statement cycle.
- Base rewards (e.g., 1% / 2.5% as applicable) are uncapped.
Verifiedinsurance18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Reward exclusion
Verifiedinsurance18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Currency Markup Charges: 0% (CheQ).
Verifiedcharges18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Charge
- Charges on Revolving of Credit (CheQ and others): 3.75% per month (45% per annum).
- Cash Advance Fee: 2.5% or INR 500 whichever is higher.
- Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
- Xpress Loan/SMARTLoan Processing Fees: 2% of the Loan amount.
- Pre-closure Charges: 3% of the Balance Principal Outstanding.
- Reward Point Redemption fee: ₹99 + GST per successful redemption.
- GST presently @18% applicable on all fees, interest and other charges.
- Fair usage charges (w.e.f. dates stated): Fuel - 1% charge on aggregate fuel spends exceeding 50% of credit limit or ₹50,000 whichever is lower.
- Utility - 1% charge on aggregate utility spends exceeding ₹50,000.
- Rental (MCC 6513) - 1% of transaction value on international rental transactions.
- Education/Govt - 1% of transaction value on payments via third party apps.
- Transportation (MCC 4112,4111,4784, w.e.f. 14th June26) - 1% charge on entire aggregate transportation spends as per condition.
Verifiedcharges18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Fuel surcharge waiver
- Fuel Surcharge waiver applicable for CheQ (transactions between ₹400 to ₹5,000 / ₹500 to ₹5,000).
- Fuel Surcharge Waiver capped at 1% of the eligible fuel transaction amounts.
- GST on Fuel surcharge will not be reversed.
Verifiedcharges18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Interest-free period
- Up to 50 days (not applicable for cash withdrawal).
- Interest free credit period could range from 20 days to 50 days subject to the scheme applicable.
Verifiedcharges18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
How does the Cheq Au Credit Card earn rewards?
CheQ AU Credit Card: 12% CheQ points (24 CheQ points per INR 200) on partnered brands or utility bills via CheQ app.
insuranceWhat are the transfer ratios for Cheq Au Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.au.bank.in/personal-banking/debit-cards/low-cross-currency.
Verifiedforex18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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