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Credit Cards · India

AU Bank CheQ AU Credit Card

Updated 5 Jul 2026Source-linked

The AU Bank CheQ AU Credit Card is a mid co-branded credit card from AU Small Finance Bank and CheQ, with a joining fee of ₹499 + GST.

It earns up to 12 pts per ₹200 (≈3.0% value) on CheQ spends in the form of cheq points (points).

AU Small Finance Bank logo
AU Bank CheQ AU Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCo-brand rewards
  • Reward TypeCheQ Points (points)
Rewards Rate
  • 12 pts per ₹200 on favourite brands
  • 2.5 pts per ₹200 on cheq upi
  • Base 0.25% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logoplatinummidCo-brand · CheQ ↗
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Rewards and Benefits

Rewards Rate
12 pts per ₹200 on favourite brands
2.5 pts per ₹200 on cheq upi
Base 0.25% on other spends.
Reward Redemption
CheQ app (travel/gift cards/bill-pay): Rs 0.50/pt travel & gift cards, Rs 0.25 bill-pay; closed-loop in the CheQ app, no cash-out.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
Up to — off via EazyDiner
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

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.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.3% = ₹38/mo
  • Groceries₹8,000 · 0.3% = ₹20/mo
  • Dining & food delivery₹8,000 · 0.3% = ₹20/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.3% = ₹25/mo
  • Utilities & bills₹5,000 · 0.3% = ₹13/mo
Est.net rewards for this spend, realistic
₹881/yr

₹1,380 rewards − ₹499 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • Co-branded mid card by AU Small Finance Bank and CheQ.
  • Joining / annual fee of ₹499 + GST.
  • Available on the Visa network.

Pros & Cons

Pros
  • Accelerated earn worth ≈3.0% on favourite brands.
Cons
  • No annual-fee waiver option.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 12 pts per ₹200 on favourite brands
    12% rewards on favourite brands (e.g. Amazon); 5% on select categories.
  • 2.5 pts per ₹200 on cheq upi
    2.5% rewards on CheQ UPI transactions; 1 CheQ point per ₹200 base.
Capping rules
  • Accelerated 12% / 5% / 2.5% reward rates subject to monthly caps

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹150 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹4,00,000 p.a.
Income (self-employed)
₹4,00,000 p.a.
Tagsmidco brandonlineupipoints