Travel on Points

AU Kosmo Credit Card

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  • Joining fee

    Lifetime Free

  • Annual fee

    Lifetime Free

  • Best suited for

    UPI

  • Reward type

    Cashback

Rewards

  • Rewards rate

    1.5% Cashback on UPI Scan & Pay Transactions and 0.5% Cashback on Online and Offline Spends

  • Reward redemption

    1 kiwi = ₹0.25

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 ₹100) for Transactions Between ₹400 and ₹5,000 at All Fuel Stations Across the Country

  • Cash advance charges

    2.5%

Product highlights

  • This lifetime free credit card with no joining or annual fee.
  • Earn rewards on UPI, online shopping, and POS.
  • 1% fuel surcharge waiver (₹400–₹5,000 transactions, capped per cycle).
  • The card is available in both digital and physical forms.
  • Can convert eligible spend in EMI.

Pros & cons

Pros

  • The AU Kosmo Credit Card is a lifetime free credit card, and users can pay for their purchases in EMI using Xpress EMI.

Cons

  • The card does not offer high-end benefits such as complimentary airport lounge access, travel insurance, and welcome benefits.

FAQs

Is there any joining or annual fee for the AU Kosmo Credit Card?

No, this is a lifetime free credit card, which means there are no joining or annual fees.

Can I link the AU Kosmo Credit Card to UPI apps?

Yes, one of the key features of this card is that it can be linked to UPI apps, allowing you to make UPI payments using your credit card.

What are Kiwi rewards, and how much are they worth?

Kiwi rewards are reward points earned on eligible transactions such as groceries, fuel, dining, online shopping, POS transactions, and UPI spends. 1 Kiwi = ₹0.25

Is there a fuel surcharge waiver benefit?

Yes, cardholders get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle, at fuel stations across India.