AU Business Cashback Credit Card
AU Small Finance Bank · Open to apply
A business card with a ₹99 monthly fee, waived on ₹10,000 of retail spend in a statement cycle, and 1% cashback on spends when the whole total amount due is repaid, up to ₹1,000 a statement. It adds 8 railway lounge visits a year and small-business insurance.
- Annual fee
- ₹1,188 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹10,000 spend per statement
- Base rate
- Spends, 1% cashback when the total amount due is repaid in full (up to ₹1,000 a statement): 1% cashback (about 1% at cash value)
- Lounges
- Railway: 8 visits a calendar year
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on wallet loads, tax and government payments, rent, insurance, fuel, education, cash and remittances
Where the sources disagree
- Fees and interest document: The page's "Key Fact Statement" link is the commercial cards KFS (v1.0, 16 Jul 2026), which lists a "Business Credit Card" with NIL annual and joining fees and gives corporate and purchase cards up to 3.49% interest a month; the page itself, the retail KFS (V-1.9) and the MITC (2.23) give Business Cashback a ₹99 monthly fee, 3.75% interest (all retail cards) and a 3.49% forex markup. We use the page, retail KFS and MITC.
- Fuel surcharge waiver cap: The page's headline says up to ₹100 a statement cycle and its detail text ₹200; the KFS and MITC say ₹100 for Business Cashback. We use ₹100.
Terms the calculator does not value
- Cashback needs the whole total amount due paid every month and the last 12 payments each at least the total amount due. Instant bill payment (BBPS) transactions earn nothing but have no category here and are valued at the base rate.
Sources
- AU Small Finance Bank: Business Cashback credit card page (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Business Cashback Card, excluded MCCs (Reward terms, the bank's own, read 6 Nov 2026)
- Package policy for Business Cashback Credit Card members of AU Small Finance Bank (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank commercial credit cards Key Fact Statement v1.0 (16 Jul 2026), linked from the Business Cashback page (Schedule of charges, the bank's own, read 6 Nov 2026)