CheQ AU Credit Card
A lifetime-free co-branded card with CheQ paying CheQ points: 24 per ₹200 on Amazon, Flipkart and Zomato, 10 per ₹200 on online shopping, travel, food delivery and online groceries (accelerated points capped at 12,000 a statement cycle), 5 per ₹200 on CheQ UPI and 2 elsewhere; CardWise values points at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for in the CheQ app; the cardholder receives a Visa card and a RuPay card on one account.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| The card is lifetime free; the optional LED card carries a one-time fee of ₹999 + GST. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Amazon, Flipkart and Zomato (Visa card, or CheQ UPI on the RuPay card) | 24 points per ₹200 Product page | up to 12,000 points a statement cycle (shared) Terms |
| Online shopping, travel, food delivery and online groceries (Visa card, or CheQ UPI) | 10 points per ₹200 Product page | up to 12,000 points a statement cycle (shared) Terms |
| UPI payments through the CheQ app (UPI through other apps earns nothing) | 5 points per ₹200 Product page | no cap on record |
| All other transactions | 2 points per ₹200 Product page | no cap on record |
Paid as CheQ points, redeemable only in the CheQ app (no redemption fee).
On the RuPay card, in-store and online spends at partner brands earn only the 2-point base rate; the accelerated rates need the Visa card or CheQ UPI. Transactions under ₹200, gold and jewellery, gaming, EMI and cash earn nothing.
No rewards on
- Fuel Product page
- Education Product page
- Insurance Product page
- Rent Product page
- Utility bills paid outside the CheQ app (bills paid in the CheQ app earn 24 points per ₹200) Product page
- Wallet loads Terms
- Government services Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹5,000, up to ₹150 a statement month Fee schedule
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 24 CheQ points per ₹200 on travel booked and utility bills paid in the CheQ app Product page
- 24 CheQ points per ₹200 on BigBasket and Apple products from Unicorn (Visa card or CheQ UPI) Product page
- Flights, hotels and brand vouchers in the CheQ app at 2 points = ₹1 Product page
- A Visa card with an LED that lights up on tap-to-pay (one-time ₹999 + GST) Product page
- Air accident cover of ₹50 lakh Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- airport lounge access
- a welcome benefit
Where AU Small Finance Bank’s documents differ, and what is used
- Accelerated-points cap: the product page FAQ says 12,000 CheQ points a month, AU's Cardmember Agreement says 12,000 a statement cycle; CardWise uses the statement cycle.
- The 5% category list in AU's CheQ terms is defined by merchant codes that include restaurants and grocery stores (in store too), while the product page describes it as online shopping, travel, food delivery and online grocery; CardWise applies it only to the online categories the page names.
The quotes behind the figures
35 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Joining/Annual Fee: Lifetime free”
“18% applicable on all fees, interest & charges.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Monthly bill payments (4 CheQ Points = ₹1)”
“Get 24 CheQ Points per ₹200 spent on Amazon, Flipkart, Zomato, Big Basket and Apple Products powered by Unicorn exclusively on Visa Variant of CheQ AU Card and through CheQ UPI using CheQ AU RuPay Credit Card.”
“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.”
“Get 10 CheQ Points per ₹200 spent on Online Shopping, Travel, Food Delivery, Online Grocery covering 10,000+ brands through CheQ UPI and Visa Variant of CheQ AU Card .”
“GROCERY STORES/SUPERMARKETS MISC FOOD STORES - DEFAULT PASSENGER RAILWAYS AIRLINES, AIR CARRIERS”
“Link your RuPay card to CheQ UPI and earn 5 CheQ points per INR 200.”
“UPI transactions through Rupay Variant of the Card done on any other TPAP is not eligible for rewards.”
“Earn 2 CheQ points per ₹200 on every transaction.”
“Rewards are not applicable on certain transactions, such as: Fuel, education, or gold purchases Gambling or insurance payments Utility payments made outside the CheQ app Rent-related spends”
“i. Wallet reloads: 6540”
“vi. Govt services: 9211, 9222, 9223, 9311, 9399, 9400, 9402, 9405”
“* ₹999 + GST, A one-time fee applicable for LED Card only”
“CheQ AU Credit Card holders will receive the 12% CheQ points (i.e. 24 CheQ points on every INR 200 spend) when they spend on the partnered brands OR pay utility bills via CheQ mobile app.”
“Users will earn a base rate of 1% rewards on POS & ECOM transactions done on partner merchants.”
“You can earn up to 12,000 CheQ points per month on accelerated categories.”
“Minimum eligible transaction amount for earning CheQ Points is 200; transactions below 200 earn 0 CheQ Points.”
“Shopping across 30+ top brands (2 CheQ Points = ₹1)”
“Redeem your rewards on flights, hotels, gift cards from 30+ brands, or offset credit card and utility bills on the CheQ App within 2 days of monthly statement generation.”
“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.”
“You get 1% fuel surcharge waiver up to ₹150 on fuel spends.”
“(b) 1% fuel surcharge refunded for transactions between ₹ 500 to ₹ 5,000 for below cards:”
“CheQ : Maximum of ₹ 150 per statement month.”
“Get 24 CheQ Points per ₹200 spent on CheQ Travel (flights & hotels) & Utility Bills paid via the CheQ App.”
“Flight & hotel bookings (2 CheQ Points = ₹1)”
“Your Visa card features an embedded LED that lights up during tap-to-pay, offering instant visual confirmation powered by the POS terminal's NFC field”
“Air Accident Cover: ₹50 Lacs”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“CheQ AU Credit Card India's First LED Credit Card CheQ AU Credit Card Apply Now”
“You can apply from CheQ app for this card and you will get 2 cards - 1 Visa and 1 RuPay variant.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology