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AU Small Finance Bank · Visa · हिन्दी

AU Tejas Credit Card: full review

The AU Tejas is an entry-level card built around small monthly cashback: 10% on Zomato, District, Amazon Fresh, cab rides and AU 0101 bill payments, each capped at ₹50 a month. If you use most of those apps you can earn up to ₹250 a month, plus the 500-point bonus for five spends of ₹500. Beyond that it earns only about 0.25%, so it works best as a second card for those offers rather than for your main spending.

Apply now ↗Annual fee: ₹500 + GST joining
Last updated: October 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
TEJAS
ASHOK KUMAR
12/28
₹500 + GST joining; ₹500 + GST annual (waived on ₹1,50,000 spend in the card anniversary year)Annual fee
1 reward point per ₹100 on most spends (about 0.25% at ₹0.25 a point); 5 points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portal; 10% cashback, up to ₹50 a month each, on Zomato food delivery, District movies, Amazon Fresh and Amazon Now groceries, cab rides and bill payments in the AU 0101 app; 500 bonus points for 5 spends of ₹500 or more in a statement cycle; no points on fuel, rent, education, government, EMIs, transport or BBPS bill paymentsReward structure
NoneLounge access

Key benefits of the AU Tejas Credit Card

10% cashback on Zomato food delivery, up to ₹50 a month10% cashback on movies through District, up to ₹50 a month10% cashback on Amazon Fresh and Amazon Now groceries, up to ₹50 a month10% cashback on cab rides with Uber, Ola, Rapido and other providers, up to ₹50 a month10% cashback on bill payments in the AU 0101 app, up to ₹50 a month500 bonus reward points for 5 spends of ₹500 or more in a statement cycle5 reward points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portalWelcome benefit of 2,000 reward points or a ₹500 brand voucher on activation and first spend within 30 days1% fuel surcharge waiver on fuel spends of ₹400 to ₹5,000, up to ₹100 a statement cycleCard liability cover, credit shield and device protection plan
Apply now ↗ Min. income: AU Small Finance Bank does not publish an income requirement; salaried applicants must be 21 to 60 and self-employed 25 to 65 · Credit score: Not publicly specified
Pros and cons
Pros
✓ Five 10% cashback offers on everyday apps, together worth up to ₹250 a month
✓ Welcome benefit worth about ₹500 covers the joining fee
✓ Easy 500-point monthly bonus for 5 spends of ₹500 or more
✓ Low ₹500 annual fee, waived on ₹1.5 lakh of spend
Cons
✗ Each 10% offer is capped at ₹50 a month, so the cashback only pays on small spends
✗ Base rewards are just about 0.25% at ₹0.25 a point
✗ ₹99 + GST fee on every reward point redemption
✗ No points on fuel, rent, education, government, EMIs, transport or BBPS bill payments
✗ No lounge access and a 3.49% forex markup
✗ The joining fee is never waived
Quick facts
Issuer AU Small Finance Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining; ₹500 + GST annual (waived on ₹1,50,000 spend in the card anniversary year)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.49%
Interest rate 3.75% per month (45% a year)
Fee waiver Annual fee waived on ₹1,50,000 spend in the card anniversary year; the joining fee is not waived
Add-on cards Lifetime-free add-on cards for family members aged 18 and over
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → AU Small Finance Bank does not publish an income requirement; salaried applicants must be 21 to 60 and self-employed 25 to 65
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceAU Small Finance Bank's Tejas card page and MITC (point value of ₹0.25 from independent reviews; AU does not publish it) · Last checked October 2026
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Frequently asked questions
The annual fee for AU Tejas Credit Card is ₹500 + GST joining; ₹500 + GST annual (waived on ₹1,50,000 spend in the card anniversary year). The joining fee is ₹500.
The main benefits of the AU Tejas Credit Card are: 10% cashback on Zomato food delivery, up to ₹50 a month; 10% cashback on movies through District, up to ₹50 a month; 10% cashback on Amazon Fresh and Amazon Now groceries, up to ₹50 a month; 10% cashback on cab rides with Uber, Ola, Rapido and other providers, up to ₹50 a month; 10% cashback on bill payments in the AU 0101 app, up to ₹50 a month; 500 bonus reward points for 5 spends of ₹500 or more in a statement cycle; 5 reward points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portal; Welcome benefit of 2,000 reward points or a ₹500 brand voucher on activation and first spend within 30 days; 1% fuel surcharge waiver on fuel spends of ₹400 to ₹5,000, up to ₹100 a statement cycle; Card liability cover, credit shield and device protection plan.
1 reward point per ₹100 on most spends (about 0.25% at ₹0.25 a point); 5 points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portal; 10% cashback, up to ₹50 a month each, on Zomato food delivery, District movies, Amazon Fresh and Amazon Now groceries, cab rides and bill payments in the AU 0101 app; 500 bonus points for 5 spends of ₹500 or more in a statement cycle; no points on fuel, rent, education, government, EMIs, transport or BBPS bill payments
AU Tejas Credit Card is best for First-time card users who order on Zomato, book cabs and pay bills in the AU 0101 app, and want small monthly cashback across several everyday apps. The AU Tejas is an entry-level card built around small monthly cashback: 10% on Zomato, District, Amazon Fresh, cab rides and AU 0101 bill payments, each capped at ₹50 a month. If you use most of those apps you can earn up to ₹250 a month, plus the 500-point bonus for five spends of ₹500. Beyond that it earns only about 0.25%, so it works best as a second card for those offers rather than for your main spending.
The minimum income requirement for AU Tejas Credit Card is AU Small Finance Bank does not publish an income requirement; salaried applicants must be 21 to 60 and self-employed 25 to 65. The bank does not publish a minimum credit score.
AU Tejas Credit Card does not offer airport lounge access.
AU Tejas Credit Card charges a 3.49% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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