AU Tejas Credit Card
The AU Tejas Credit Card is designed to reward everyday spending with accelerated Reward Points, cashback on partner merchants, and milestone benefits. It comes with a joining and annual fee of Rs.500 plus applicable taxes, with an annual fee waiver available on eligible retail spends.
Features and Benefits of AU Tejas Credit Card
The AU Tejas Credit Card offers welcome rewards, instant discounts, accelerated Reward Points, cashback, and lifestyle benefits to enhance your everyday spending experience.
Welcome Benefits
Earn attractive rewards when you activate and use your card.
- Choose from Select Brand Vouchers Worth Rs.500 or 2,000 Reward Points upon card activation and the first successful transaction within 30 days of card issuance.
- Eligible cardholders receive the welcome benefit claim details via SMS or email.
Instant Discounts and Cashback
Enjoy savings across entertainment, dining, travel, and utility payments.
- 10% Instant Discount on movie bookings via District by Zomato (up to Rs.50 per month).
- 10% Instant Discount on Amazon Grocery/Amazon Now purchases (up to Rs.50 per month).
- 10% Instant Discount on Zomato food delivery (up to Rs.50 per month).
- 10% Cashback on cab bookings with major providers such as Uber, Ola, and Rapido (up to Rs.50 per month).
- 10% Cashback on bill payments made through the AU 0101 App (up to Rs.50 per month).
Bonus Reward Points
Earn additional Reward Points by meeting the transaction criteria.
- 500 Bonus Reward Points on completing 5 or more transactions in a statement cycle.
- Each eligible transaction must be Rs.500 or above.
Reward Points Programme
Earn Reward Points on eligible transactions.
- 5 Reward Points for every Rs.100 spent through AU Rewardz on flights, hotels, vouchers, bill payments, and more.
- 1 Reward Point for every Rs.100 spent on all other eligible transactions.
EMI Facility
Convert eligible purchases into easy monthly instalments.
- Convert transactions of Rs.500 or above into EMIs, subject to a minimum cumulative transaction value of Rs.2,000.
Reward Redemption Options
Redeem your accumulated Reward Points for a variety of rewards.
- E-Vouchers
- Merchandise
- Flight Bookings
- Hotel Bookings
- Other Rewards available on AU Rewardz
Add-on Card Benefits
Share your card benefits with your family members.
- Lifetime-Free Add-on Card for eligible family members.
Eligibility Criteria for AU Tejas Credit Card
To apply for the AU Tejas Credit Card, applicants must meet the eligibility requirements prescribed by AU Small Finance Bank.
Criteria | Eligibility |
Primary Cardholder (Salaried) | 21 to 60 years of age |
Primary Cardholder (Self-employed) | 25 to 65 years of age |
Add-on Cardholder | Must be 18 years or above |
Nationality | Resident Indian |
Note: Meeting the above eligibility criteria does not guarantee card approval. AU Small Finance Bank reserves the right to approve or reject any credit card application based on its internal policies and credit assessment.
Fees and Charges
The fees and charges related to AU Tejas Credit Card are listed in the table below:
Particulars | Details |
Joining fee | Rs.500 plus applicable taxes |
Annual fee | Rs.500 plus applicable taxes |
Annual fee waiver | Waived off from second year on spending Rs.1.50 lakh or more in previous card anniversary year. |
Cash Advance Charges | 2.5% or Rs.500, whichever is more |
Interest rate | 3.75% per month (45% per annum) |
Late Payment Charges | 15% of Total Amount Due |
Overlimit Charges | 2.5% |
Outstation Cheque Processing Charges | Rs.25 |
Payment Return Charges | 2% |
Duplicated Physical Statement Request Charges | Rs.100 |
Card Transfer Charges | Rs.199 plus GST |
Reward Point Redemption | Rs.99 plus GST |
FAQs on AU Tejas Credit Card
- What is the welcome benefit on the AU Tejas Credit Card?
New cardholders can choose between 2,000 Reward Points or a Rs.500 brand voucher upon activating the card and completing the first transaction within 30 days of card issuance.
- How can I get the annual fee waived on the AU Tejas Credit Card?
The annual membership fee is waived from the second year onwards if you spend Rs.1.50 lakh or more on retail purchases during the previous card anniversary year.
- What merchant discounts are available on the AU Tejas Credit Card?
The card offers a 10% instant discount or cashback (up to Rs.50 per month) on eligible spends across partner merchants, including District by Zomato for movie bookings, Amazon Fresh, Zomato food delivery, Uber/Ola/Rapido cab bookings, and bill payments through the AU 0101 app.
- How can I earn accelerated Reward Points with the AU Tejas Credit Card?
You can earn 5 Reward Points for every Rs.100 spent on eligible transactions made through the AU Rewardz portal, including flight and hotel bookings, voucher purchases, and bill payments.
- Does the AU Tejas Credit Card offer any additional benefits?
Yes, the card comes with value-added features such as Card Liability Cover, Credit Shield, and a Device Protection Plan, subject to the applicable terms and conditions.
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