AU KOSMO Credit Card

AU Small Finance Bank · Open to apply

A lifetime-free card issued through the Kiwi app that pays Kiwi rewards worth ₹0.25 each: 1.5% on UPI Scan & Pay in the Kiwi app and 0.5% on online spends, capped each month at 1% of the credit limit. The Kiwi rewards policy, not AU, sets the rates.

Annual fee
Lifetime free
Joining fee
None
Base rate
Other spends, reward rate not published: 0% in Kiwis (about 0% at cash value)
Lounges
None on record
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • UPI Scan & Pay in the Kiwi app, 1.5% in Kiwis (6 Kiwis per ₹100): 6 Kiwis per ₹100 (about 1.5% at cash value)
  • Online spends, 0.5% in Kiwis (2 Kiwis per ₹100): 2 Kiwis per ₹100 (about 0.5% at cash value)

Earns nothing on

  • Other spends, reward rate not published
  • No Kiwis on cash, rent, education, government, insurance, EMI, fuel, utilities, tolls, jewellery, wallet and gift cards

Where the sources disagree

  • Fuel surcharge waiver cap: The page's headline says up to ₹100 a statement cycle and its detail text ₹250; the KFS and MITC say ₹100 for AU KOSMO. We use ₹100.

Terms the calculator does not value

  • Kiwi's policy caps the Kiwis earned each month at 1% of the card's credit limit, which depends on the holder's limit and is not applied.
  • The reward rate for POS and contactless spends is not published; they are valued at 0 here. Kiwi's terms also allow other rates for Kiwi Neon subscribers and may change them without notice.
  • The Kiwi rewards policy covers "credit cards issued via the Kiwi app" without naming the AU Kosmo; the rates are taken as applying to it.

Sources

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