AU Bank Tejas Credit Card
AU Small Finance Bank · Visa · Entry card
A low-fee lifestyle card with a broad set of useful partner offers for AU customers.
AU customers comfortable using AU Rewardz and recurring lifestyle offers.
Terms checked 24 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% AU Rewardz only |
| Bills & utilities | 0.3% AU Rewardz only |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
AU Rewardz points
Usage-based valueFive points per ₹100 only on eligible flights, hotels, vouchers, shopping and payments completed through AU Rewardz.
Conditions: Five points per ₹100 only on eligible flights, hotels, vouchers, shopping and payments completed through AU Rewardz.
Other eligible points
Usage-based valueOne point per ₹100 on other eligible purchases.
500 bonus points in a statement cycle after five eligible transactions of at least ₹500 each
Shown without a cash valueFive points per ₹100 on eligible AU Rewardz transactions
Shown without a cash value500 statement-cycle bonus points after five eligible ₹500+ transactions
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Welcome benefits · 1 item
2,000 points or ₹500 voucher
Recorded value ₹500Choice of 2,000 AU Reward Points or a ₹500 voucher, both conservatively valued at ₹500.
Conditions: Activate the card and complete the first eligible purchase within 30 days · Select and claim the eligible welcome option under issuer terms
Movies and entertainment · 2 items
10% monthly instant discount at District, Amazon Fresh, Zomato, Uber, Ola, Rapido and AU0101, each capped at ₹50 with ₹150 minimum transaction
Shown without a cash valueMonthly capped discounts across food, grocery, movies and cabs
Shown without a cash value
Insurance and protection · 3 items
Card Liability Cover
Shown without a cash valueCredit Shield
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for Tejas.
Other benefits · 2 items
1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹100 per statement cycle
Shown without a cash valueZero processing fee on eligible Xpress EMI
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Five points per ₹100 on eligible AU Rewardz transactions
- ✓ Choice of 2,000 welcome points or a ₹500 voucher
- ✓ 500 statement-cycle bonus points after five eligible ₹500+ transactions
- ✓ Monthly capped discounts across food, grocery, movies and cabs
What to watch
The five-point rate requires AU Rewardz. The statement bonus needs five separately eligible transactions, which an aggregate monthly-spend profile cannot prove, so it is disclosed but not auto-valued.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Wallet load · Quasi cash · Transportation · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026