AU CS Credit Card

AU Small Finance Bank · Open to apply

A lifetime-free card for company secretaries: 8 points per ₹100 on dining, travel, tax payments and software (up to 5,000 points a statement), 2 on other retail spends, 25% back on the ICSI membership fee, 2 domestic lounge visits a quarter, 1.99% forex and 2.99% monthly interest.

Annual fee
Lifetime free
Joining fee
None
Base rate
Retail spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.4% at cash value)
Lounges
Domestic: 2 visits a calendar quarter
Forex markup
1.99%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Dining and flights, 8 points per ₹100 (up to 5,000 points a statement): 8 AU reward points per ₹100 (about 1.6% at cash value)

Earns nothing on

  • No points on fuel, rent, wallet, cash, education, government, EMI and tolls
  • No points on railways (transportation)

Terms the calculator does not value

  • The 8-point rate also covers tax payments (MCC 9311, 7276), software purchases (5734, 5045) and online-travel-agency airline and hotel bookings (4722, 4723), which have no matching category here and earn the base 2 points. For a company secretary paying tax or buying software this understates the card.
  • MCC 9311 (tax) is listed both as an 8-point category and in the education and government exclusion; it is treated as excluded here.
  • The 25% ICSI membership cashback (once a year, on the fee before GST) is not valued.
  • No document states a redemption value for AU CS; ₹0.20 is the 2023 voucher rate for all AU cards.
  • Local commute (MCC 4111) and BBPS earn nothing but have no category here and are valued at the base rate.

Sources

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