AU Bank CA Metal Credit Card
The AU Bank CA Metal Credit Card is a premium credit card from AU Small Finance Bank, with a joining fee of ₹2,999 + GST.
It earns up to 8 pts per ₹100 (≈1.8% value) on dining travel tax software spends in the form of reward points (points).
Cardholders get 2 quarterly domestic airport lounge access, plus 2,000 bonus reward points as a welcome benefit.
- Joining Fee₹2,999
- Annual Fee₹2,999
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 8 pts per ₹100 on dining travel tax software
- Base 0.44% on other spends
- 2,000 bonus Reward Points
AUsignaturepremiumRewards and Benefits
- air accident: ₹50,00,000
- ICAI membership renewal cashback — Flat 25% cashback on annual ICAI membership renewal fee; exclusive ICAI member discounts.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹141/mo
You spend ₹8,000 · earns 1.8% = ₹141 uncapped
- Valued at realized redemption value
- Travel & hotels₹176/mo
You spend ₹10,000 · earns 1.8% = ₹176 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹66/mo
- Groceries₹8,000 · 0.4% = ₹35/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
₹5,280 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by AU Small Finance Bank.
- Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹3,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
- Insurance cover bundled: air accident.
Pros & Cons
- Annual fee waivable on ₹3,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary domestic airport lounge access (2/quarterly).
- 24/7 concierge service.
- No rewards on fuel spends.
₹500 welcome benefit
- 2,000 bonus Reward PointsSpend ₹5,000 within 30 days of activationWindow: 30 days from issuance.
Accelerated rewards
- 8 pts per ₹100 on dining travel tax software8 Reward Points per ₹100 on Dining, Travel, Tax Payments & Software (business & personal); 2 RP per ₹100 base.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Insurance benefits
- air accident: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- ICAI membership renewal cashback. Flat 25% cashback on annual ICAI membership renewal fee; exclusive ICAI member discounts.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 740+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Exclusive to Chartered Accountants (ICAI members).