Travel on Points

CheQ AU Credit Card

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  • Joining fee

    Lifetime Free

  • Annual fee

    Lifetime Free

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    24 CheQ Points/₹200 Spent on Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and Utility Bill Payments Through the CheQ App. Get 10 CheQ Points/₹200 Spent on Online Shopping, Food Delivery, Groceries, and Travel Bookings Across India’s Leading Brands, 5 CheQ Points/₹200 on CheQ UPI Transactions, 2 CheQ Points/₹200 for Other Spends

  • Reward redemption

    1 CheQ Point = Up to ₹0.50

Fees & charges

  • Foreign currency markup

    3.49%

  • Interest rates

    3.75% Per Month (45% Per Annum)

  • Fuel surcharge waiver

    1% Fuel Surcharge Waiver Up to ₹150 on Transaction Between ₹500 to ₹5000

  • Cash advance charges

    2.5% or Minimum ₹500 (Whichever is Higher)

Product highlights

  • India’s first LED-enabled credit card that lights up with every payment.
  • Earn up to 12% CheQ points on top brands, travel, and bill payments.
  • Get 5% CheQ points on everyday spends like shopping, dining, and travel.
  • Earn 2.5% CheQ points on UPI payments.
  • Flat 1% CheQ points on all other spends across categories.
  • The card comes in both Visa and RuPay variants.

Pros & cons

Pros

  • 24 CheQ Points per ₹200 spent on brands like Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and utility bill Payments using the CheQ App.

Cons

  • Existing AU First Bank credit card holders are not eligible to apply for the CheQ AU Credit Card.
  • Points give a lower value when used for bill payments, which is 4 points = ₹1, reducing the overall benefit.

FAQs

Is there any fuel surcharge waiver?

Yes, a 1% fuel surcharge waiver is available, which is capped at ₹150.

Can existing AU Bank credit card holders apply?

No, if you are an existing AU First Bank credit card holder, then you are not eligible.

Are there any exclusions for earning rewards?

Yes, categories like fuel, rent, insurance, education, government services, and wallet reloads do not earn rewards.