AU Bank Kosmo Credit Card
Updated 5 Jul 2026Source-linked
The AU Bank Kosmo Credit Card is a entry co-branded credit card from AU Small Finance Bank and Kiwi, with a joining fee of ₹0 + GST.
AU Bank Kosmo Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeKiwi Rewards (points)
Rewards Rate
- Base rate 0.22%
Welcome Benefits
- Not applicable
Data verified 5 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
Base 0.22% on other spends.
Reward Redemption
Kiwi Rewards: 4 Kiwis = Rs 1; statement credit only, 500-Kiwi (Rs125) minimum in multiples of 500.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
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 · 0.2% = ₹33/mo
- Groceries₹8,000 · 0.2% = ₹18/mo
- Dining & food delivery₹8,000 · 0.2% = ₹18/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹22/mo
- Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹1,214/yr₹1,214 rewards − ₹0 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 ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- Co-branded entry card by AU Small Finance Bank and Kiwi.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
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 ₹100 per monthly.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.