Travel on Points

AU CS Credit Card

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  • Joining fee

    Lifetime Free

  • Annual fee

    Lifetime Free

  • Best suited for

    Business Expenses

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    8 Reward Points Per ₹100 Spent on Dining, Travel, Tax Payments and Software Purchases; 2 Reward Points Per ₹100 Spent on Retail Categories; 1 Reward Point per ₹100 Spent on Utility, Telecom and Insurance Spends

  • Welcome benefits

    2000 Bonus Reward Points on Spending ₹5000 within 30 Days of Card Activation and SwiggyOne Quarterly Dining Membership on Spending ₹10,000 Within 30 Days of Card Activation

  • Reward redemption

    Redeem Reward Points Against E-Vouchers, Merchandise, and Flight or Hotel Bookings

Benefits

  • Domestic lounge

    2 Complimentary Domestic Lounge Visits Per Calendar Quarter

Fees & charges

  • Foreign currency markup

    1.99%

  • Interest rates

    3.75%

  • Fuel surcharge waiver

    1% Fuel Surcharge Waiver Up to ₹250 for Transactions Between ₹400 and ₹5,000

  • Cash advance charges

    2.5% or ₹500

Product highlights

  • The AU CS Credit Card is lifetime free.
  • Cardholders can save 25% on their annual ICSI Membership Fee.
  • The card offers up to 8 Reward Points for every ₹100 spent on select categories.
  • Cardholders get 2 complimentary domestic airport lounge visits per calendar quarter.
  • The card comes with a low foreign currency markup of 1.99%.
  • Cardholders can enjoy a 1% fuel surcharge waiver of up to ₹250 on eligible fuel transactions.
  • The card provides access to a 24/7 Global Concierge Assistance service.
  • Cardholders get an Air Accident Cover of ₹50 lakh.
  • The card provides a Credit Shield of up to ₹5 lakh.
  • Cardholders also get Purchase Protection of up to ₹25,000.

Pros & cons

Pros

  • The AU CS Credit Card is lifetime free, with no joining or annual fee, making it a cost-effective option for long-term use.
  • The credit card charges a 1.99% forex markup, helping you save on international transactions and overseas purchases.

Cons

  • The 8X Reward Points category is capped at 5,000 Reward Points per statement cycle, limiting the value for high spenders.
  • The card only offers domestic lounge access, making it less suitable for frequent international travelers.

FAQs

Does the AU CS Credit Card offer any benefit on ICSI membership fees?

Primary cardholders can get 25% cashback on the eligible annual ICSI Membership Fee when it is paid using the AU CS Credit Card. This benefit can be used once in a card anniversary year.

How can I redeem AU CS Credit Card Reward Points?

Reward Points can be redeemed for options such as e-vouchers, merchandise, flight bookings, and hotel bookings, subject to the bank’s redemption terms.

Does the AU CS Credit Card offer airport lounge access?

Cardholders can get 2 complimentary domestic airport lounge visits per calendar quarter. The card does not offer complimentary international lounge access.

What is the forex markup on the AU CS Credit Card?

The card charges a 1.99% foreign currency markup, making it relatively useful for international transactions.

Does the AU CS Credit Card offer a fuel surcharge waiver?

Cardholders can get a 1% fuel surcharge waiver of up to ₹250 on eligible fuel transactions between ₹400 and ₹5,000 at fuel stations across India.