CheQ AU 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 CheQ points
First-year fee
₹0
Lifetime free (₹999 + GST one-time fee applicable for LED Card only)Annual fee
₹0
Lifetime freeWhat it gives back
2 CheQ points per ₹200 · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining feeAnnual fee
₹0Lifetime free (₹999 + GST one-time fee applicable for LED Card only)
Rewards
Reward rate
2 CheQ points per ₹200 · everyday spendsEarn 2 CheQ points per ₹200 on every transaction.
Groceries earning
10 CheQ Points per ₹200 spent on Online Shopping, Travel, Food Delivery, Online Grocery covering 10,000+ brands through CheQ UPI and Visa Variant of CheQ AU Card.
Online earning
24 CheQ Points per ₹200 spent on Amazon, Flipkart, Zomato, Big Basket and Apple Products powered by Unicorn exclusively on Visa Variant of CheQ AU Card and through CheQ UPI using CheQ AU RuPay Credit Card
Travel earning
24 CheQ Points per ₹200 spent on CheQ Travel (flights & hotels)
Utilities earning
Get 24 CheQ Points per ₹200 spent on CheQ Travel (flights & hotels) & Utility Bills paid via the CheQ App.
Reward exclusions
Fuel, education, or gold purchases; Gambling or insurance payments; Utility payments made outside the CheQ app; Rent-related spends; Transactions below ₹200; EMI transactions; UPI transactions made outside the CheQ app.
Reward caps
Up to 12,000 CheQ points per month on accelerated categories
Catalogue redemption
Flight & hotel bookings (2 CheQ Points = ₹1); Shopping across 30+ top brands (2 CheQ Points = ₹1); Monthly bill payments (4 CheQ Points = ₹1)
Statement-credit redemption
Monthly bill payments (4 CheQ Points = ₹1)
Voucher and product redemption
Redeem your rewards on flights, hotels, gift cards from 30+ brands, or offset credit card and utility bills on the CheQ App within 2 days of monthly statement generation
Point expiry
Your reward points are valid for 2 years from the date they are credited into your CheQ account.
Card benefits
Hotel or travel programme
MakeMyTrip: 2 Complimentary domestic flights seats booking (max value of up to ₹350) and Flat 15% off on select domestic hotels as MyCash
Benefit given each anniversary year
Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers.
Also included
Fuel surcharge waiver
You get 1% fuel surcharge waiver up to ₹150 on fuel spends.
Air accident cover
Air Accident Cover: ₹50 Lacs.
Lost card liability
You carry zero liability for any fraudulent transactions made after reporting the loss of your Credit Card to the bank.
Travel insurance
Protection in cases of baggage loss, baggage delay, flight delay, loss of passport, and plane hijack.
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
Charges
Forex markup
3.49% on foreign currency transactions.
Dynamic currency conversion markup
3.49%3.49% Cross Currency Markup Charges on Dynamic & Static Conversion Transactions
Cash advance fee
2.5% of the Cash withdrawal amount or ₹500, whichever is higher.
Cash withdrawal limit
20% 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 ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.
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
Zero Processing Fee on Xpress EMI.
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+ 100% of Fees/Charges+ 100% of Interest Charges+ Due EMI(s)+ 100% of Annual Membership Fee (if applicable) + 100% of GST; 2% of Principal outstanding for Customers who have paid TAD (Total Amount Due) for previous statement on/or before due date
Eligibility
Minimum age
Self Employed: 25 years to 65 years, Salaried: 21 years to 60 years.
Residency
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 - 5 documents from AU Small Finance Bank, checked 19 Oct 2026
₹0 for life
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