In-depth review
AU Tejas Credit Card
A deal-led entry card whose headline is flat 10% cashback at partner brands — movies, grocery and food delivery, cabs and bill payments — but only at those partners and only up to ₹250 a month. Off-partner spend drops to an ordinary points rate. The value is entirely a function of whether your apps match AU's partner list, so read that list and the caps before you apply.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10% cashback at District Movies
10% on movie tickets via District, under its own ₹50 monthly cap; min ₹150 a transaction, once a month
10% cashback at Amazon Fresh / Amazon Now
10% on Amazon Fresh / Amazon Now orders, under its own ₹50 monthly cap; min ₹150 a transaction, once a month
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
10.0%
online shopping cashback
₹50
Monthly cap (accelerated)
- 10% cashback on online shopping
- Accelerated cashback capped at ₹50/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Zomato
For younger, digital-first spenders who use partner apps (food delivery, cabs, movies, bill payments) enough to make the 10% partner cashback the headline benefit.
Full reward structure
What you earn on every rupee, per spend category — as of 6 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at District Movies | cashback | 10% | ₹50 |
| Groceriesonly at Amazon Fresh / Amazon Now | cashback | 10% | ₹50 |
| Diningonly at Zomato | cashback | 10% | ₹50 |
| Travelonly at Uber, Ola, Rapido | cashback | 10% | ₹50 |
| Utility Billsonly at Bill payments in the AU 0101 app | cashback | 10% | ₹50 |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Online Shopping: 10% on movie tickets via District, under its own ₹50 monthly cap; min ₹150 a transaction, once a month · District Movies
Groceries: 10% on Amazon Fresh / Amazon Now orders, under its own ₹50 monthly cap; min ₹150 a transaction, once a month · Amazon Fresh / Amazon Now
Dining: 10% on Zomato food delivery, under its own ₹50 monthly cap; min ₹150 a transaction, once a month · Zomato
Travel: 10% on cab rides (Uber, Ola, Rapido and other major providers), under its own ₹50 monthly cap; min ₹150 a transaction, once a month · Uber, Ola, Rapido
Utility Bills: 10% on bill payments made in the AU 0101 app, under its own ₹50 monthly cap; min ₹150 a transaction, once a month · Bill payments in the AU 0101 app
Other: 1 reward point per ₹100 on all other spends (~0.25%); 5 RP per ₹100 only via the AU Rewardz portal (excluded from baseline); 500 bonus points on 5 transactions of ₹500+ in a statement cycle
Earns nothing on: Fuel · Rent · Education · Government & Tax · EMI Conversions · Cash Advances · BBPS · Transportation MCCs (Apr 2026) · Quasi-cash
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 6 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹600/yr in total.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Should you get it?
- Best for: Digital-first spenders using partner apps, Value-seekers who match the partner list
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (0.25% back; 10% only at District Movies).
Pros & cons
✓ Pros
- Flat 10% cashback at partner merchants (capped)
- 500 bonus points on 5 transactions of ₹500+ each cycle
- Low ₹500 fee with a 2,000-point welcome
✕ Cons
- The 10% cashback is limited to partner merchants and capped
- Off-partner spend earns only an ordinary points rate
- No lounge access
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
What your AU Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The marquee 10% is limited to partner merchants and capped, so real value depends heavily on matching the partner list.
Frequently asked questions
How does the 10% cashback work on the AU Tejas?
What else does it earn?
What is the fee and how is it waived?
Who can apply for the AU Tejas?
How has the AU Tejas Credit Card changed over time?
Has the AU Tejas Credit Card been devalued recently?
When did the AU Tejas Credit Card's fees last change?
How did the AU Tejas Credit Card change in 2026?
The bottom line
A deal-led entry card. The 10% partner cashback can be very good value if your spending maps to the partner brands and you stay within the caps; if it does not, you fall back to a modest 1 point per ₹100. Read the partner list and caps before applying — that is where the value lives.
How this page was built
Counted from this card’s own record: 6 earn rules, 5 of them capped, 5 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 6 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the AU Tejas Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 6 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
AU Tejas Credit Card
A deal-led entry card whose headline is flat 10% cashback at partner brands — movies, grocery and food delivery, cabs and bill payments — but only at those partners and only up to ₹250 a month. Off-partner spend drops to an ordinary points rate. The value is entirely a function of whether your apps match AU's partner list, so read that list and the caps before you apply.
HSBC RuPay Cashback Credit Card
The UPI-linked sibling of HSBC Live+ — 10% on dining, food delivery and groceries, payable straight from PhonePe, GPay or Paytm, plus up to 10 lounge visits a year that Live+ does not offer. The constraint is a ₹400 combined monthly cashback ceiling: about ₹4,000 of accelerated spend exhausts it, after which you are holding a 1% card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · last change Jul 2026
2026
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000→1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 14 Jun 2026
New 1% fair-usage charge on transportation spends
No transportation fair-usage charge→1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
From 14 June 2026 AU levies a 1% fair-usage charge when aggregate transportation spends (MCC 4111, 4112 and 4784 — local commuter transport, passenger rail and tolls) in a calendar month exceed 50% of the credit limit or ₹25,000, whichever is lower. The charge applies to the entire aggregate transportation spend for the month, not just the excess. IRCTC and select marquee travel partners are excluded, international transactions are out of scope, and AU exempts the ixigo AU co-brand variants entirely. This charge is separate from (and adds to) the April 2026 removal of reward-point earning on transportation MCCs.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ◆ LaunchEffective 4 May 2026
AU Tejas launches as part of a four-card cluster
AU Bank launched Tejas alongside Ananta, Laksya and Prathama — an entry card at ₹500+GST (waived on ₹1.5L annual spend) with a 2,000-point (or ₹500 voucher) welcome benefit. It bundles two separate reward mechanisms: base reward points on all spends, accelerated on AU Rewardz-platform bookings (flights, hotels, vouchers, bill payments), plus a flat ~10% cashback/discount at named partner brands (movies via District by Zomato, grocery via Amazon, food delivery via Zomato, cabs, AU 0101 bill payments), each capped monthly. No lounge access.
Verification: AU Small Finance Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/au-tejas#value-timeline">AU Tejas Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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