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AU Small Finance Bank

AU Small Finance Bank Business Cashback Credit Card

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Business Cashback Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Confirm on the official page

Annual / renewal fee

₹99 per month + applicable charges (Monthly Card Membership fee).

Verified · lounge_travel · 2026-08-18 · source

Fee waiver

Monthly fee waiver on ₹10,000 retail spends done within card statement cycle.

Verified · lounge_travel · 2026-08-18 · source

Rewards

1% Cashback on the Repayment of Total Amount Due.

Verified · lounge_travel · 2026-08-18 · source

Travel & lounge

Lounge access

8 complimentary railway lounge access every year.

Verified · lounge_travel · 2026-08-18 · source

Travel benefit

Contactless Card Usage: make quick & secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with digitally added card against a POS machine.

Verified · lounge_travel · 2026-08-18 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Contactless Card Usage - Make quick & secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with digitally added card, against a POS machine.

Verified · lounge_travel · 2026-08-18 · source

Insurance

  • Complimentary Package Policy for Business Cashback Credit Card Members: Section I Fire and Special Perils ₹2,00,000.
  • Section II Burglary and Housebreaking ₹2,00,000.
  • Section III Money Insurance (Cash in Transit ₹1,50,000, Cash in Counter ₹25,000).
  • Section IV Public Liability ₹1,50,000.
  • Total business insurance coverage up to ₹2 Lacs.

Verified · insurance · 2026-08-18 · source

Milestone benefit

XpressEMI: Convert transactions worth ₹2,000 or more into easy EMI options with processing fee (1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST).

Verified · lounge_travel · 2026-08-18 · source

Eligibility

Eligibility

  • Primary cardholder between the age of 25 years and 65 years.
  • Add-on cardholder should be over 18 years.
  • Resident Indian.

Verified · lounge_travel · 2026-08-18 · source

Charges & interest

Forex markup

Currency Markup Charge for Business Cashback: 0% (Business Cashback listed with 0% currency markup).

Verified · charges · 2026-08-18 · source

Charge

  • Cash Advance Fees: 2.5% or INR 500 whichever is higher on amount withdrawn.
  • Charges on Revolving Credit: 3.75% per month (45% per annum).
  • Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
  • Overlimit Charges applicable on total outstanding exceeding the credit limit.
  • Xpress Loan/SMARTLoan Processing Fees: 2% of the Loan amount, Pre-closure Charges: 3% of the Balance Principal Outstanding.
  • XpressEMI processing fee 1% of the amount being converted to EMI, subject to a minimum of ₹99 + GST.
  • Reward Point Redemption fee applicable.
  • Currency markup 0%.
  • Fair usage charges w.e.f. 1st July 2026 on Fuel/Utility and w.e.f. 14th June 2026 on Transportation (fair usage charges not applicable on Business Cashback Credit Cards).

Verified · charges · 2026-08-18 · source

Fuel surcharge waiver

1% Fuel Surcharge Waiver (up to ₹200) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.

Verified · lounge_travel · 2026-08-18 · source

Interest-free period

Up to 50 days (interest free credit period could range from 20 days to 50 days subject to the scheme; not applicable if previous month's balance not cleared in full or cash withdrawn).

Verified · charges · 2026-08-18 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Business Cashback Credit Card?

Officially traced: Rs. 99 per month + applicable charges (Monthly Card Membership fee).

lounge_travel

Is the Business Cashback Credit Card annual fee ever waived?

Monthly fee waiver on Rs. 10,000 retail spends done within card statement cycle.

lounge_travel

How does the Business Cashback Credit Card earn rewards?

1% Cashback on the Repayment of Total Amount Due.

lounge_travel

What lounge access does the Business Cashback Credit Card include?

8 complimentary railway lounge access every year.

lounge_travel

What welcome benefit does the Business Cashback Credit Card offer?

Contactless Card Usage - Make quick & secure payments up to Rs. 5,000 without entering your PIN by tapping your card or mobile phone with digitally added card, against a POS machine.

lounge_travel

What are the transfer ratios for Business Cashback Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the Business Cashback Credit Card worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pagechargesinsurance

Official terms

https://www.au.bank.in/personal-banking/commercial-credit-cards/business-cashback-credit-card.

Verified · lounge_travel · 2026-08-18 · source

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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