AU Bank Cashback Credit Card

1. Cashback: Earn 1% cashback on the repayment of the total amount due, with a maximum cashback of Rs.1000 per statement cycle. 
2. Fuel surcharge waiver: Get a 1% fuel surcharge waiver for transactions between Rs.400 to Rs.5000 at all fuel stations in the country, with a maximum benefit of Rs.200 per statement cycle. 
3. Silver Spoon Dining Program: Get up to 30% discount on food at partnered restaurants in 30 cities. 
4. Railway Lounge Access: Enjoy 8 complimentary lounge accesses per annum at railway stations using your VISA/RuPay card. Add-on cardholders can also enjoy these benefits. 

1. Comprehensive Protection Cover: Get coverage for air accidents, card liability, baggage loss, baggage delay, flight delay, loss of passport, and plane hijack. 
2. Contactless Card Usage: Use your AU Credit Card for quick, secure, and easy payments at participating merchants without entering your credit card PIN for amounts up to Rs.5000. 
3. Business Insurance Coverage: Get coverage for cash in counter, cash in transit, public liability, fire insurance, burglary, and housebreaking.  
4. XpressEMI: Convert transactions worth Rs.2000 or more into easy EMI options on the select tenure of your choice. 
5. Instant Loan: Get an instant loan on your credit card to meet your business requirements. Eligible cardholders can avail of this benefit 90 days after the credit card issuance date.  

1. Monthly Card Membership Fee: Rs.99 per month plus applicable charges. Monthly fee waiver available on Rs.10,000 retail spends done within the card statement cycle. 
2. Add-on Cards: Offer Business Cashback Credit Card benefits to your loved ones through the Add-on card offering, with no lifetime fee.   

Benefits of the AU Bank Business Cashback Credit Card   

1. Cashback Program: AU Small Finance Bank offers a cashback of 1% on the repayment of the total amount due on its credit cards. This cashback is subject to a maximum limit of Rs.1000 per statement cycle. However, certain transactions such as wallet reloads/spends, rent payments, cash withdrawals, and fuel spends will not be considered for the milestone benefits. This means that if the cardholder repays the entire outstanding amount on time, they will receive a cashback of 1% of the total amount due, subject to the maximum limit of Rs.1000. 
2. Railway Lounge Access Program: To get Railway Lounge access, the cardholder needs to present their valid/active AU Small Finance Bank VISA/RuPay Credit Card and a valid train travel ticket at the entrance of a participating lounge. A non-refundable card validation charge of Rs.2 will be done by the lounge operator. The cardholder will then be given access to the Railway Lounge. Any guests accompanying the cardholder will be charged as per the prevailing lounge access rate. 
3. The services offered in the Railway Lounges include comfortable sitting arrangements, free tea & coffee, 1 buffet meal as per the time of visit (breakfast, lunch or dinner), buffet evening snacks in case the cardholder is in between a time frame of lunch & dinner, free Wi-Fi, newspapers & magazines. Any additional services will be chargeable as per the lounge operator's prevailing rates. The cardholder can stay in the lounge for up to 2 hours. 
4. Comprehensive Protection Cover: AU Small Finance Bank Cashback credit card is designed to provide insurance coverage for small shopkeepers. It includes different sections covering fire and special perils, burglary and housebreaking, money insurance, and public liability. The policy covers building, contents, stock (excluding money and valuables), cash in transit, cash in counter, and more. 

1. The Comprehensive Protection Cover offered by AU Small Finance Bank's credit card includes various features to provide the cardholder with financial security and peace of mind. Firstly, there is an Air Accident Cover of up to Rs.50 Lacs, which provides coverage in case of accidental death or disability due to an air accident. 
2. Card Liability Cover: This is another significant feature that ensures that the cardholder carries zero liability in case of fraudulent transactions made on the lost credit card. If the card is lost or stolen, the cardholder needs to report it immediately to the bank to avail of this benefit. Additionally, the cardholder is protected against card counterfeiting, skimming, and online fraud, which are common ways that fraudsters can use to steal money from the cardholder's account. 
3. The credit card also offers travel-related covers such as baggage loss, baggage delay, delay in flight, loss of passport, and plane hijack. In the event of any of these incidents, the cardholder is entitled to insurance coverage of up to Rs.50,000. This coverage can help alleviate some of the financial burden associated with such unforeseen events and ensure a hassle-free travel experience for the cardholder 
4. Business Insurance: The Package Policy of Credit Card Members of AU Small Finance Bank provides business insurance coverage for small shopkeepers. This coverage includes various sections, such as Cash in Counter coverage up to Rs.25,000, Cash in Transit and Public Liability coverage up to Rs.1.5 lakhs each, Fire Insurance coverage up to Rs.2 lakhs, and Burglary & Housebreaking coverage up to Rs.2 lakhs. To claim any insurance benefits, customers can contact the bank's customer care number or email their claim.  
5. Customer care: Customer service is an important aspect of any credit card offering, and AU Small Finance Bank recognizes this. They have provided an email address - creditcard.support@aubank.in  - for customers to send in their queries and concerns. By sending an email to this address, customers can expect priority assistance from the bank's customer service team. This is a convenient and efficient way for customers to seek help and get their questions answered. If you need to claim any of the insurance benefits mentioned with your AU Small Finance Bank Business Cashback Credit Card, you can call their customer care number at 1800 1200 1500. The customer care executive will guide you through the process of making a claim, and also provide you with the necessary information regarding the documents you need to submit to initiate the claim. It is recommended that you have all the necessary details of your insurance policy and your credit card handy when you call the customer care number to make the process smoother and faster.

Fees and Charges of AU Bank Business Cashback Credit Card 

Eligibility Criteria  

The eligibility criteria for AU Small Finance Bank's Business Cashback Credit Card are as follows:  

1. Primary cardholders must be between 21 years and 60 years of age. 

1. Add-on cardholders must be over 18 years of age. 
2. Applicant must be a Resident Indian. 

Note: These eligibility criteria are indicative only. AU Small Finance Bank reserves the right to approve or decline applications for the Business Cashback Credit Card based on its internal credit policies and criteria. 

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