LuxMilesClubLuxMilesClub
Back

AU Small Finance Bank

AU Small Finance Bank Cheq Au 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

Cheq Au 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

Confirm on the official page

Fee waiver

Confirm on the official page

Rewards

  • CheQ AU Credit Card: 12% CheQ points (24 CheQ points per INR 200) on partnered brands or utility bills via CheQ app.
  • 5% CheQ points (10 CheQ points per INR 200) on key categories.
  • 2.5% CheQ points (5 CheQ points per INR 200) on UPI transactions via CheQ App.
  • 1% CheQ points (2 CheQ points per INR 200) on any other category/merchant not in exclusions.

Verified · insurance · 2026-08-18 · source

Redemption value

  • CheQ Points redemption (burn) shall be available only on the CheQ App, and no reward redemption fee shall be levied for redemption of CheQ Points under this program.
  • Reward Points valid for 2 years (730 days) from date of transaction.
  • Unredeemed points expire.

Verified · insurance · 2026-08-18 · source

Reward cap

  • Accelerated rewards (e.g., 12% on CheQ App and partner brand spends / 5% on select categories) are capped at 12,000 CheQ Points per statement cycle.
  • Base rewards (e.g., 1% / 2.5% as applicable) are uncapped.

Verified · insurance · 2026-08-18 · source

Reward exclusion

exclusion categories: Wallet reloads (6540); Jewellery & Gold (59445094); Rental payments/Real estate (6513); Insurance (630063815960601260516399); Education (821182208241824482498299); Govt services (92119222922393119399940094029405); Fuel (5983517255415542); Transactions converted to EMIs; Digital Gaming (5816); Cash (60106011). UPI transactions from other TPAP apps done through Rupay Variant of the Card yield zero rewards

Verified · insurance · 2026-08-18 · source

Travel & lounge

Lounge access

Confirm on the official page

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Eligibility

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

Charges & interest

Forex markup

Currency Markup Charges: 0% (CheQ).

Verified · charges · 2026-08-18 · source

Charge

  • Charges on Revolving of Credit (CheQ and others): 3.75% per month (45% per annum).
  • Cash Advance Fee: 2.5% or INR 500 whichever is higher.
  • Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
  • Xpress Loan/SMARTLoan Processing Fees: 2% of the Loan amount.
  • Pre-closure Charges: 3% of the Balance Principal Outstanding.
  • Reward Point Redemption fee: ₹99 + GST per successful redemption.
  • GST presently @18% applicable on all fees, interest and other charges.
  • Fair usage charges (w.e.f. dates stated): Fuel - 1% charge on aggregate fuel spends exceeding 50% of credit limit or ₹50,000 whichever is lower.
  • Utility - 1% charge on aggregate utility spends exceeding ₹50,000.
  • Rental (MCC 6513) - 1% of transaction value on international rental transactions.
  • Education/Govt - 1% of transaction value on payments via third party apps.
  • Transportation (MCC 4112,4111,4784, w.e.f. 14th June26) - 1% charge on entire aggregate transportation spends as per condition.

Verified · charges · 2026-08-18 · source

Fuel surcharge waiver

  • Fuel Surcharge waiver applicable for CheQ (transactions between ₹400 to ₹5,000 / ₹500 to ₹5,000).
  • Fuel Surcharge Waiver capped at 1% of the eligible fuel transaction amounts.
  • GST on Fuel surcharge will not be reversed.

Verified · charges · 2026-08-18 · source

Interest-free period

  • Up to 50 days (not applicable for cash withdrawal).
  • Interest free credit period could range from 20 days to 50 days subject to the scheme applicable.

Verified · charges · 2026-08-18 · source

Transfers

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

Common questions

How does the Cheq Au Credit Card earn rewards?

CheQ AU Credit Card: 12% CheQ points (24 CheQ points per INR 200) on partnered brands or utility bills via CheQ app.

insurance

What are the transfer ratios for Cheq Au Credit Card points?

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

Other verified details

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

Official documents & verification

Official issuer pagechargesforexinsurance

Official terms

https://www.au.bank.in/personal-banking/debit-cards/low-cross-currency.

Verified · forex · 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.

Continue exploring

Compare

Premium Cards Decision Hub

Side-by-side comparison of India's premium cards.

OpenTransfers

Transfer partner routes

Issuer-to-program transfer paths tracked by LuxMilesClub.

OpenCard · Axis Bank

Axis Bank Atlas Credit Card

Axis's transferable-miles workhorse — the reference card for EDGE Miles.

OpenCard · American Express

American Express Platinum Charge

Amex's flagship charge card — lounges, hotel status, high MR earn.

OpenCard · HDFC Bank

HDFC Infinia Credit Card

HDFC's invitation-only super-premium card with SmartBuy leverage.

OpenCard · AU Small Finance Bank

AU Small Finance Bank Zenith Credit Card

AU Bank's premium card with one standout trick: 20 reward points per ₹100 on standalone-restaurant dining — about 5% back, among the highest dining earn rates in India — plus a 1.99% forex markup.

Open