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AU Small Finance Cashback Credit Card Fees and Charges

Before you opt for an AU Small Finance Cashback Credit Card, it’s wise to know the primary costs that could come with it. These fees are standard for most retail AU Small Finance Cashback Credit Cards, although some premium cards may have different pricing tiers. All amounts are before GST.

Type	Fees & Charges
Annual fees	Joining fee: ₹999 + GST • Annual / renewal fee: ₹999 + GST
Interest rates & finance charges	●     Retail purchases: 1.99% per month (23.88% p.a.) on the unpaid amount. ●     Cash advance interest: 1.99% per month, effective 30% p.a. on domestic ●     36% p.a. on international cash withdrawals. ●     Cash advance fee: Domestic up to 2.5% ●     (min ₹500); International up to 3% (min ₹500).
Late payment fees & other charges	●     Up to ₹100: Nil ●     ₹101–₹500: ₹100 ●     ₹501–₹5,000: ₹500 ●      ₹5,001–₹10,000: ₹700 ●      ₹10,001–₹20,000: ₹800 ●     ₹20,001–₹50,000: ₹900 ●     Above ₹50,000: ₹1,100. Overlimit fee: 2.5% of overlimit (min ₹500) ●     Cheque/auto debit return: ₹500 ●     Card replacement: ₹100
Foreign transaction fees	Cross-currency markup: 3.49% of the transaction amount on all foreign currency spends, plus GST.

Key Benefits of AU Small Finance Cashback Credit Cards

Opting for an AU Small Finance Cashback Credit Card means you get more than just a way to make purchases. You also have access to a variety of services to help manage everyday payments and larger expenses. Here are some essential features of the AU Small Finance Cashback Credit Card:

• You earn 1% cashback on the repayment of the Total Amount Due, capped at ₹1,000 per statement cycle. Wallet loads, rent, insurance, fuel, and cash transactions do not earn cash back.
• For fuel spends between ₹400 and ₹5,000, you receive a 1% fuel surcharge waiver, capped at ₹200 per statement cycle.
• The card offers 8 complimentary railway lounge visits per year, capped at 2 visits per calendar quarter, for both primary and add-on cardholders.
• You get complimentary coverage such as Cash in Counter up to ₹25,000, Cash in Transit and Public Liability up to ₹1.5 lakh each, and Fire, Burglary & Housebreaking up to ₹2 lakh each.
• 90 days after card issuance, eligible users can take an instant loan on the card to meet business needs, subject to bank approval.
• Any transaction of ₹2,000 or more can be converted into XpressEMI with flexible tenure options, via customer care or online.
• The card supports contactless payments of up to ₹5,000 per tap, so day-to-day swipes are quicker and PIN-free at supported merchants.
• You can issue lifetime-free add-on cards, allowing family members to share the same benefits and limits.
• Through the Silver Spoon Dining Program, you get up to 30% discount at over 300 partner restaurants in 30 cities, which is handy if the client entertains or dines out often.
• Instead of a hefty annual fee, there is a ₹99 monthly membership fee + taxes, which is waived if you spend ₹10,000 or more on eligible retail purchases in the same statement cycle.

AU Small Finance Cashback Credit Card Eligibility Criteria

Before applying for an AU Small Finance Cashback Credit Card, it is helpful to understand the key criteria the bank uses to assess eligibility. The table below presents the essential eligibility requirements:

Criteria	Details
Age	Primary cardholder: 21 to 60 years. Add-on cardholder: 18 years of age or older.
Residential status	Applicants should be resident Indian, primarily self-employed individuals, traders, shopkeepers, or MSME owners.
Documents required	PAN + Aadhaar / passport/voter ID/driving licence for ID and address. Business and income proof, such as ITRs, audited financial statements, or recent bank statements, as requested by the bank.

Documents Required for AU Small Finance Cashback Credit Card Application

When applying for the AU Small Finance Cashback Credit Card, the bank first looks at your basic details. You will need to provide several standard documents for this. Having them on hand will help make the AU Small Finance Cashback Credit Card application process smoother and quicker:

• Identity proof: Small Finance Bank accepts standard identity documents such as Aadhaar card, Passport, Voter ID, or Driving Licence, provided they are valid and clearly legible.
• Address proof: The bank will also verify your address. In many cases, the same documents, such as Aadhaar, Passport, or Driving Licence, also serve as proof of address.
• PAN card: One of the first documents AU checks. It helps the bank verify your identity and understand your financial profile before deciding on your credit card eligibility and limit.
• Business proof: You may be asked for GST registration, shop establishment certificate, business registration papers or any other document that shows your firm exists and operates.
• Income proof: They review recent Income Tax Returns, audited financial statements or bank statements for the last 3 to 6 months to understand your cash flow.
• Photographs: A recent passport-size photo may be required.

How to Block / Unblock AU Small Finance Cashback Credit Card

There must be times when you need to pause your AU Small Finance Cashback Credit Card for safety, or resume it when everything is back to normal. Here’s a simple way to handle it:

How to Block Your AU Small Finance Cashback Credit Card

• Through the AU 0101 Mobile App: Open the AU 0101 app, log in, go to Credit Card, and Block / Unblock Credit Card. Here, you can choose to temporarily (freeze) or permanently block your card.
• Through AURO Chatbot: Visit the AU website and open the AURO chatbot. Go to Cards, then Credit Card Services. Enter your 16-digit credit card number, select Report and Block Lost/Stolen Card, and confirm the request with the OTP sent to your registered mobile number. The card gets blocked after confirmation.
• By Calling Customer Care: Call AU Small Finance Bank credit card customer care on the toll-free number 1800 1200 1500. Tell the executive that your card has been lost, stolen, or misused, and request immediate blocking.

How to Unblock Your AU Small Finance Cashback Credit Card

• Through AU 0101 App or NetBanking: You can try to reactivate or unblock the card using the same menu path. Log in to the AU 0101 app or NetBanking, go to Credit Card, then Block / Unblock, select your card, choose Unblock, and confirm the action.
• Contact Customer Care: If you are unable to unblock the card online, call the toll-free helpline at1800 1200 1500 and request card reactivation.

How to Choose the Right AU Small Finance Cashback Credit Card?

Finding the correct AU Small Finance Cashback Credit Card becomes easier when you assess your spending habits and what you want from the card. As AU Small Finance Cashback offers numerous options, the best selection depends on your monthly card usage. Here are a few simple suggestions to help you choose:

1.   Start with your profile and spending pattern

First, check whether you actually fit the card’s core audience. AU has designed the Business Cashback Credit Card primarily for self-employed individuals, traders, shopkeepers, and MSME owners. Eligibility on the official page states a primary cardholder age range of 25 to 65 years and that the cardholder must be an Indian resident, with add-on holders aged 18+.

2.   Check if the cashback model matches how you pay bills

This card rewards you for repaying your bill, not for swiping. You get 1% cashback on repayment of the Total Amount Due, capped at ₹1,000 per statement cycle. Spends such as wallet reloads, rent, insurance, fuel, and cash transactions do not count.

3.   Look at the monthly fee and your usual monthly spending

Instead of a hefty annual fee, AU charges a monthly card membership fee of ₹99, plus applicable taxes. This fee is waived if you make at least ₹10,000 in eligible retail spends on the same statement cycle.

4.   Evaluate travel needs, especially if you use trains often

If you or your staff travel frequently by train, the 8 complimentary railway lounge visits per year (a maximum of 2 per quarter) can be valuable. These visits can be shared between primary and add-on cardholders, which is handy when you travel with a colleague.

5.   Factor in fuel spends and how you currently pay for them

The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per statement cycle. You do not earn cashback on fuel itself, but you avoid the surcharge on eligible transactions.

Tips to Maximise AU Small Finance Cashback Credit Card Rewards

An AU Small Finance Cashback Credit Card can provide you with good value if you are careful about your spending. Rewards increase faster when you use the card wisely and manage your payments smartly. Here are some simple tips to maximise your AU Small Finance Cashback Credit Card rewards:

1.   Clear your full bill every month to earn the 1% cashback

The AU Cashback Credit Card rewards you for repayments, not for swipes. You get 1% cashback on the Total Amount Due you pay, capped at ₹1,000 per statement cycle. To maximise this, always aim to pay the whole bill rather than the minimum due. Cashback won’t apply to rent, wallet loads, fuel, insurance, cash transactions or any category the bank excludes.

2.   Maintain at least ₹10,000 eligible monthly spends to avoid the ₹99 fee

AU charges a ₹99 monthly fee plus taxes, but waives it if you spend ₹10,000 or more on eligible retail purchases that month. Planning your business purchases, inventory payments, or routine expenses through the card helps you meet this threshold and keep the card effectively free.

3.   Use the card for business-related outgo that counts toward cashback

Since cashback is based on bill repayment, it helps to route regular eligible spends like supplies, utilities, travel bookings, digital expenses, or vendor payments through the card. Keeping these within eligible categories ensures your bill amount remains high enough to meet the monthly cashback cap, if needed.

4.   Avoid categories that do not earn cashback.

The official list clearly excludes wallet reloads, rent payments, fuel purchases, insurance payments, cash transactions and a few similar categories. If you use the card heavily for these, you won’t earn anything back. Keeping them separate ensures your main bill reflects only eligible spends.

5.   Time your statement cycle to make your repayments work smarter

Your cashback is capped per statement cycle, not monthly. If you know when your cycle closes, you can plan larger eligible spends before that date and repay them on time to hit the ₹1,000 cashback ceiling. This small habit helps maximise returns every cycle.

Steps to Apply Online Through Urban Money

Applying for an AU Small Finance Cashback Credit Cards card through Urban Money is simple and works well for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the AU Small Finance Cashback Credit Cards you want from the list of available options.
• Click on the AU Small Finance Cashback Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• Submit the form so Urban Money can verify your details before processing the request.
• An expert will contact you for further personalised assistance.