AU Small Finance Bank
AU Bank Biz Credit Card
Entry-level Mastercard with rewards and EMI benefits
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- First-time cardholder
- Entry-level Mastercard user
-
What we like
- EMI conversion benefits
- Low ₹1 lakh waiver threshold
- Lower joining fee than most AU cards
-
Watch out for
- ₹500 non-waiver joining fee
- Standard 3.5% forex markup
- Only 2x on retail
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
Not explicitly stated
Welcome benefit
₹500 Flipkart voucher on annual spends ≥ ₹1,00,000; ₹2,000 voucher on ≥ ₹2,50,000.
AU Bank Biz Credit Card review: entry-level Mastercard with rewards on retail spend, EMI conversion benefits, fuel surcharge waiver, and milestone vouchers for first-time AU Bank cardholders.
Who is this for
- First-time cardholder
- Entry-level Mastercard user
What we like
- EMI conversion benefits
- Low ₹1 lakh waiver threshold
- Lower joining fee than most AU cards
Watch out for
- ₹500 non-waiver joining fee
- Standard 3.5% forex markup
- Only 2x on retail
Issuer
AU Small Finance Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per ₹100 on retail spend; 1 Reward Point per ₹100 on utility & insurance | Not explicitly stated | Redeemable via AU Bank rewards portal |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
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EMI Conversion Benefits Highlight
Convert purchases above ₹5,000 to EMI at attractive interest rates.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
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Milestone Vouchers
₹500 Flipkart voucher on annual spends ≥ ₹1,00,000; ₹2,000 voucher on ≥ ₹2,50,000.
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Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
AU Bank Biz Credit Card is the entry-level Mastercard from AU Small Finance Bank. It targets first-time cardholders with EMI conversion benefits and rewards.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹1,00,000
- Rewards: 2 Reward Points per ₹100 on retail spend
- Forex markup: 3.50%
Benefits
- EMI conversion on purchases above ₹5,000
- 1 domestic lounge visit per quarter
- ₹500 milestone voucher on ₹1 lakh spend; ₹2,000 on ₹2.5 lakh
- 1% fuel surcharge waiver (max ₹500/month)
Eligibility
Minimum annual income ₹2,50,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the AU Bank Biz Credit Card apply walkthrough →
Apply for AU Bank Biz Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the AU Bank Biz Credit Card worth it?
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Does the AU Bank Biz Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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