AU Tejas Credit Card
AU Small Finance Bank • Visa
Budget lifestyle card offering accelerated rewards on dining, grocery, and fuel with ₹1.5L annual spend waiver.
Underwriting & Income Cutoffs
Salaried applicants ke liye ₹25,000/month in-hand salary aur 720+ CIBIL score expected hota hai. Fuel cards bank ke pre-approved offers ya regular bank statements par aasani se issue ho jate hain.
Higher 3.75% Monthly APR on Revolving Balances
Finance charges for carrying a revolving balance are 3.75% per month (45% p.a.), higher than standard 3.5% APR.
Agar bill time par pura nahi bhara toh 3.75% monthly (45% saalana) ka bhaari byaaj lagega.
Source: AU Tejas Key Fact Statement 2026
₹99 + GST Reward Redemption Charge
A fee of ₹99 plus 18% GST is levied on each reward point redemption request.
Reward points ko cash ya voucher me badalne par har baar ₹99 + GST ka extra charge katega.
Source: AU Bank MITC Schedule 2026
Calculate Your Real Annual Profit on AU Tejas Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is AU Tejas Credit Card Worth It in 2026? Honest Review, Pros & Cons
Agar aapka mahine ka kharcha online shopping, grocery aur utility bill payments me hota hai, toh AU Tejas Credit Card (AU Small Finance Bank) aapke monthly budget par achhi bachat kara sakta hai. Bank ke marketing ads me accelerated rewards dikhaye jaate hain, par asli fayda is baat par depend karta hai ki annual fee recover karne ke baad aapke haath me kitna net cashback bachta hai. Is card par fees waive karwane ke liye saal me ₹1,50,000 kharch karna padega, jo peer cards ke average (₹99,377) se 51% zyada spending require karta hai.
EQUIS ka maksad simple hai: Zero Affiliate Bias, Zero Phone Number Requirement. Humne is review me RBI guidelines aur bank ke updated schedule of charges ke mutabiq is card ke sabhi hidden rules aur fees ko transparently disclose kiya hai.
Agar aap AU Tejas Credit Card review 2026 me iske real-world value proposition ko evaluate karein, toh iska top reward rate (2.5%) partner merchant categories par solid yield deliver karta hai. Lekin broad retail spends ya routine utility payments par maximum bachat pane ke liye aap iske primary market alternatives jaise IndianOil RBL Bank XTRA Credit Card (FUEL CO-BRAND • up to 7.5%) aur RBL Bank Platinum LifeEasy Credit Card (FUEL CO-BRAND • up to 10%) ko hamare Head-to-Head Comparison Tool par compare karke dekh sakte hain ki aapke monthly budget par konsa option zyada net cashback create karega.
- 012.5% Top Reward Rate: Competitive 2.5% headline earn rate designed for consistent monthly category savings.
- 02Carrying Cost Structure: Full renewal fee reversal upon completing annual eligible card spending benchmarks.
- 03Category Flagship Perk: Secure contactless tap-and-pay convenience backed by 24/7 bank customer assistance.
- 01Zero Excluded Rewards: Third-party rent portals (CRED/NoBroker) aur digital wallet refills par 0% points schedule enforce hota hai.
- 02Cross-Border / ATM Surcharge: Foreign currency spends par effective ~4.13% charges (3.5% markup + GST) cut hote hain jo domestic rewards cancel kar dete hain.
- 03Redemption / Carrying Leak: Spend milestone na reach hone par saalana ₹590 carrying cost deduct hoti hai.
AU Tejas Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Humne teen real-world spending profiles (Conservative Spender, Active Everyday User, aur Power Spender) par exact calculation ki hai taaki aap dekh sakein ki aapke monthly kharche par kitni bachat banegi: Yahan diye gaye simulation matrix me teen practical user segments ke hisaab se annual fee recovery threshold aur net savings calculate ki gayi hain. Aap apne exact monthly shopping budget ke mutabiq net profit check karne ke liye hamara Milestone & Fee Waiver Calculator test kar sakte hain.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹2,100 | ₹590 Payable | +₹1,510 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹6,300 | 100% Waived (₹0) | +₹6,300 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹15,750 | 100% Waived (₹0) | +₹15,750 |
• Partner Merchant Spends (2.5% Accelerator): Agar aapka kharcha sirf top partner checkout par hota hai, toh card ki annual renewal fee ₹590 (incl. 18% GST) recover karne ke liye aapko saal me kam se kam ₹23,600 (yaani sirf ₹1,967 / mahina) spend karna zaroori hai.
• Regular Offline Spends (1% Floor Rate): General offline retail stores, grocery ya non-partner swipes par fee recover karne ke liye aapko saal me lagbhag ₹59,000 (lagbhag ₹4,917 / mahina) spend karna padega.
Annual Fee Waiver Milestone Feasibility: ₹1,50,000 Spend Target
Is card par fees waive karwane ke liye saal me ₹1,50,000 kharch karna padega, jo peer cards ke average (₹99,377) se 51% zyada spending require karta hai. Bank MITC schedule ke mutabiq annual renewal fee waiver pane ke liye saal me eligible retail spend complete karna hota hai. Dhyan rahe ki rent payments, wallet reload aur fuel transactions waiver spend quota me count nahi hote. Fee waiver targets aur billing cycles ko track karne ke liye hamara Billing Cycle & Grace Period Tool use karein.
AU Tejas Credit Card Benefits & Reward Points Value: 1 Reward Points = ₹ Rupee Conversion
Budget lifestyle card offering accelerated rewards on dining, grocery, and fuel with ₹1.5L annual spend waiver.
Dining & Fuel
Up to 5 Reward Points per ₹100 on dining and fuel
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (1%) credit hota hai.
Settlement Currency: Reward Points
Fuel points ko partner oil pump ke official POS terminal par fuel bharwate waqt 1:1 ratio me direct redeem kiya ja sakta hai.
AU Tejas Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
Higher 3.75% Monthly APR on Revolving Balances
Finance charges for carrying a revolving balance are 3.75% per month (45% p.a.), higher than standard 3.5% APR.
Agar bill time par pura nahi bhara toh 3.75% monthly (45% saalana) ka bhaari byaaj lagega.
₹99 + GST Reward Redemption Charge
A fee of ₹99 plus 18% GST is levied on each reward point redemption request.
Reward points ko cash ya voucher me badalne par har baar ₹99 + GST ka extra charge katega.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹500 + 18% GST | Reversed via welcome benefits / first 30-day spend |
| Annual Renewal Fee | ₹500 + 18% GST (Total: ₹590) | Waived on ₹1,50,000/yr eligible spend |
| Finance Charges (APR) | 3.75% / month (45% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
RBI guidelines aur bank MITC schedules ke mutabiq rent transfer platforms, prepaid wallet reloads, utility surcharge thresholds aur property maintenance payments ko reward ledger se 100% exclude kiya gaya hai.
local_gas_stationFuel Surcharge 18% GST Reality
1% fuel surcharge waiver milne ke bawajood 18% GST charge customer ke account se kaat liya jata hai. Monthly maximum waiver cap ₹100 se ₹250 par set hota hai jo regular commuters ke liye 3-4 tank refills me exhaust ho jata hai.
currency_exchange3.5% International Forex Markup
Overseas hotel bookings ya international ecommerce websites par standard 3.5% forex markup add hota hai, isliye global spends ke liye yeh card recommended nahi hai.
redeemReward Liquidity & Expiry
Fuel points ko partner oil pump ke official POS terminal par fuel bharwate waqt 1:1 ratio me direct redeem kiya ja sakta hai.
AU Tejas Credit Card Milestone Privileges, Annual Benefits & Spend Quota Rules
Milestone Privilege Benefits: Saal me regular spends complete karne par bank additional bonus reward points ya brand partner gift vouchers reward karta hai, jo carrying cost ko compensate karte hain.
Fraud Protection Protocol: Immediate loss reporting par unauthorized charges se full customer indemnity milti hai.
AU Tejas Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹25,000 / month
Regular net bank credit statement.
₹30,000
Verified latest ITR copy.
720+ Score
Zero defaults in last 24 months.
21 to 60 Years
Indian resident citizen.
Application criteria check: Yadi aapki monthly in-hand salary ₹25,000/month hai aur bureau profile par past 24 months me zero overdue ke sath 720+ CIBIL score hai, toh application smooth process hoti hai. Smooth processing ke liye applicant ka clean credit history (750+ CIBIL) aur documented income stream essential hota hai. Yadi aap apne score trajectory ko analyze karna chahte hain, toh hamara CIBIL Simulator aur Eligibility Engine zaroor test karein.
- ✓City drivers jo petrol pump par har mahine ₹5,000+ spend karte hain aur 1% surcharge rebate chahte hain.
- ✓Commuters jo fuel loyalty programs ko maximize karke saalana hazaron rupaye ka free petrol earn karna chahte hain.
- ✓Users jo regular everyday utility kharchon ko fuel spend ke sath merge karke annual waiver target achieve kar sakte hain.
- ✗Commuters jo public transport ya metro se travel karte hain aur jinhe fuel bachat ki zaroorat nahi hai.
- ✗Cardholders jo alag-alag unbranded pumps par petrol bharwate hain jahan cobranded loyalty points trigger nahi hote.
- ✗Shoppers jo dining aur grocery spenders hain aur e-commerce merchant accelerated points chahte hain.
AU Tejas Credit Card vs Top Competitors: Side-by-Side Comparison
Koi bhi credit card final karne se pehle uske best peer competitor cards ke annual renewal fees, reward return percentage, aur accelerated partner benefits ko compare karna zaroori hai. Neeche diye gaye benchmark me humne IndianOil RBL Bank XTRA Credit Card aur RBL Bank Platinum LifeEasy Credit Card ke against side-by-side math present kiya hai:
| Comparison Metric | AU Tejas Credit Card (Current) | IndianOil RBL Bank XTRA Credit Card | RBL Bank Platinum LifeEasy Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹500 (Waived at ₹1,50,000) | ₹1500 (Waived at ₹2,75,000) | ₹1999 (Waived at ₹3,50,000) |
| Top Reward Rate | 2.5% | 7.5% | 10% |
| Category Tier | FUEL CO-BRAND | FUEL CO-BRAND | FUEL CO-BRAND |
| Direct Action | Current Review | View Review → | View Review → |
Not sure if AU Tejas Credit Card matches your exact salary & spending habits?
Evaluate 100% unbiased calculations tailored to your CIBIL score and monthly budget without giving away your personal contact details. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (AU Tejas Credit Card FAQs)
What is the annual fee of AU Tejas Credit Card and how can it be waived?expand_more
What are the underwriting income cutoffs and credit score requirements for AU Tejas Credit Card?expand_more
What are the hidden charges, forex markup, and cash advance fees?expand_more
Head-to-Head Comparison: Why choose AU Tejas Credit Card over IndianOil RBL Bank XTRA Credit Card?expand_more
Are rent payments, fuel, and wallet reloads eligible for rewards on AU Tejas Credit Card?expand_more
Can AU Tejas Credit Card be linked to UPI apps (Google Pay, PhonePe, Paytm) for QR scanning?expand_more
• MITC Audit: Sourced directly from AU Small Finance Bank regulatory compliance filings • Statutory Standard: Reserve Bank of India Master Directions on Digital Lending & Cards • Evaluation Integrity: Zero Affiliate Bias Policy by EQUIS Labs.