AU Tejas Credit Card

AU Small Finance Bank · Open to apply

A ₹500 entry card that pays 1 point per ₹100, 5 per ₹100 on what is bought through AU Rewardz, and gives 10% off (up to ₹50 a month each) at Zomato, District, Amazon Fresh, cab apps and AU 0101 bill payments. The fee is waived on ₹1.5 lakh of yearly spend.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Fee waiver
Annual fee waived on ₹1,50,000 spend per card year
Base rate
Other spends, 1 point per ₹100: 1 AU reward points per ₹100 (about 0.2% at cash value)
Lounges
None on record
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Purchases made on AU Rewardz, 5 points per ₹100: 5 AU reward points per ₹100 (about 1% at cash value)

Earns nothing on

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

Where the sources disagree

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

Terms the calculator does not value

  • The 10% partner discounts (five of them) are up to ₹50 a month each, so up to ₹3,000 a year if all are used in full; they are not valued.
  • 500 bonus points for 5 transactions of ₹500 or more in a statement cycle: the calculator has no transaction-count milestone, so it is entered as a ₹2,500 monthly spend milestone and a holder with fewer than five qualifying transactions would not get it.
  • The 5-point rate applies to purchases on the AU Rewardz portal and is valued only for readers who book through portals. Local commute (MCC 4111) and BBPS earn nothing but are valued at the base rate.
  • No document states a redemption value for Tejas; ₹0.20 is the 2023 voucher rate for all AU cards.

Sources

Compare this card · Find the best card for your spending