AU KOSMO credit card

1. It is a lifetime free credit card. 

1. On all e-commerce, POS (Point of Sale), and contactless transactions, the card offers Kiwi rewards. 

1. Kiwi rewards are also offered on every ‘UPI Scan and Pay’ transaction through Kiwi mobile application. 

Benefits of AU KOSMO Credit Card

The details about the benefits of AU KOSMO credit cards are listed below: 

1. On credit card spending through UPI scan and Pay using Kiwi mobile app, e-commerce, POS, and contactless transaction, earn Kiwi rewards. 

1. The card comes at zero annual fee. 

1. Offers 1% fuel surcharge waiver up to Rs.100 per statement cycle on fuel transaction between Rs.400 and Rs.5000. 

1. Allows contactless transactions using the credit card up to Rs.5000. 

1. Offers add-on credit cards to the family members. 

1. Offers Xpress EMI facility that allows conversion of transactions of Rs.500 or more with minimum total value of Rs.2000 into EMI. 

Note:  

1. Kiwi rewards are not applicable on EMI, fuel, rent, cash, insurance, education and government, and BBPS (Bharat Bill Payment System) transactions. 

1. Up to 20 billed or unbilled transactions can be clubbed for EMI facility. 

Eligibility Criteria for AU KOSMO Credit Card

The eligibility criteria to apply for the AU KOSMO credit card: 

1. Must be Indian resident 

1. Age group of primary accountholders: 25 to 65 years for self-employed and 21 to 60 years for salaried individuals. 

1. Add-on cardholders must be above 18 years of age. 

Note: The bank reserves the right to decline the credit card application. 

Fees and Charges of AU KOSMO Credit Card

The AU KOSMO credit card is a lifetime free card and hence does not require any annual membership fee. 

How to Apply to AU KOSMO Credit Card?

You can download the AU KOSMO credit card via Kiwi mobile application by downloading it from Google Play store or App store. 

How Can I Make UPI Payments Through AU KOSMO Credit Card?

You can link your AU KOSMO credit card with Kiwi app by clicking on the ‘Link Your Credit Card’ option. To link your card with other UPI apps, follow the below mentioned steps: 

1. From the Google Play store or App store, download the third-party UPI application. 

1. Complete the registration and mobile number verification on UPI application. 

1. Select the ‘Add Credit Card or Link Credit Card’. 

1. Select AU Small Finance Bank as the credit card issuer bank. 

1. Select the card to be linked. 

1. Confirm the details displayed on the screen. 

1.  After linking is completed, proceed for UPI PIN generation if not done. 

How Can I Convert Credit Card Transactions into EMI? 

The following are the channels to convert credit card transactions into EMI: 

1. Net banking

1. AU 0101 app

1. Auro Chat-bot

1. WhatsApp banking

1. Call customer care team at 1800 1200 1500

1. IVR (Interactive Voice Response)

Note: Send ‘Hi’ to WhatsApp number 8383838399 to convert transactions into EMI.