AU CS Credit Card
A lifetime-free card for company secretaries: 8 points per ₹100 on dining, travel, tax and software purchases up to 5,000 points a statement cycle, 2 elsewhere, 25% back on the ICSI membership renewal and a 1.99% forex markup; points are valued 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.
For company secretaries: offered under AU’s partnership with ICSI. AU’s card pages do not say how membership is checked.
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 | 1.99% of the transaction, plus GST MITC |
| AU's MITC lists the markup groups and rates as two columns in the same order: AU CA and AU CS are the second group and 1.99% the second rate. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Dining and travel (flights and hotels; also tax payments and software purchases) | 8 points per ₹100 Product page | up to 5,000 points a statement cycle Product page |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| All other retail spends | 2 points per ₹100 Product page | no cap on record |
Travel booked through online travel agencies earns the 8-point rate only on flights and hotels. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education Product page
- Fuel Product page
- Wallet loads Terms
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: Up to 2 domestic airport lounge visits a quarter — From 1 Oct 2026, ₹50,000 of spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement month Fee schedule
- Welcome: 2,000 bonus points on ₹5,000 of spend within 30 days of activation Product page
- Welcome: SwiggyOne quarterly dining membership on ₹10,000 of spend within 30 days of activation Terms
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 25% cashback on the annual ICSI membership renewal fee, once a card year Product page
- 8 points per ₹100 on tax payments and software purchases Product page
- 1.99% forex markup on international spends MITC
- Xpress EMI with no processing fee on transactions of ₹2,000 or more Product page
- Air accident cover of ₹50 lakh Product page
- Global concierge 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
- the card network
- milestone benefits
- a sentence on AU's card pages saying who may apply
Where AU Small Finance Bank’s documents differ, and what is used
- Tax payments: AU's CS reward terms put tax payments in the 8-point category, while the product page and the same terms exclude 'Education & Govt' (a list that contains the tax code 9311); CardWise leaves government payments unrated.
- Lounge condition: the product page says lounge access needs only a purchase-active card in the quarter; AU's lounge programme terms say the ₹50,000 quarterly spend rule applies to CA and CS cards from 1 Oct 2026, which CardWise uses.
- Point value: the CS page gives no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
36 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Lifetime Free Credit Card - No annual membership fee”
“18% applicable on all fees, interest & charges.”
“AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49% 1.99% 0.99% 0%”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“8 Reward Points* per ₹100 spent on Dining, Travel, Tax Payments & Software Purchases.”
“Cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends and 5000 Reward Points per statement cycle on Dining, Travel, Tax Payments & Software Purchases.”
“1 Reward Point per ₹100 spent on Utility & Telecom and Insurance spends*.”
“2 Reward Points per ₹100 spent on retail categories.”
“Note: Cash, Rent, Education & Govt, Transportation, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points.”
“Exclusions Telecom Insurance Retail Fuel Rent Wallet Cash Education & Govt BBPS”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“Under the partnership, ICSI members spanning both practising and employed professionals will gain access to curated current and savings account offerings and a profession-relevant credit card, with benefits designed around the everyday needs of governance, practice management, and personal finance.”
“LIT, InstaPay, AU KOSMO, ixigo AU, AU CA, AU CS, Paytm AU, AU Zaggle Lifetime Free”
“Low Forex Markup of 1.99% on all international transactions”
“***Bookings via Online Travel Agencies (OTAs) will only cover airlines and hotel bookings to be considered for Reward Points Accr”
“Cardholders can avail the benefit once in a card anniversary year only.”
“NOTE: With effect from 10th April 2026, terms and conditions for domestic airport lounge access have been revised (for CA & CS from 1st Oct 2026), please read the eligibility section below:”
“AU Credit Cardholders (except Zenith+, Traverse ) need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
“Lounge access is available only if your card remains purchase-active during the quarter.”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“Enjoy up to 2 complimentary domestic lounge visits per calendar quarter within India using your AU Credit Card.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Ixigo AU, Traverse (NRI), AU CA, AU CS: Maximum of ₹ 250 per statement month”
“2000 Bonus Reward Points on spending ₹5000 within 30 days of card activation.”
“2. Welcome Benefit 2: SwiggyOne Quarterly Dining Membership can be availed on achieving Rs. 10,000 spends within 30 days of card activation.”
“Get flat 25% cashback on renewing your annual ICSI Membership Fee.”
“Now convert transactions of a minimum value of ₹2000 into EMI with zero processing fee.”
“Air Accident Cover: ₹50 Lacs”
“Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“Resident Indian”
“Both salaried and self-employed individuals”
“Empowering India's Corporate Governance Experts. AU CS Credit Card Apply Now”
“signed a Memorandum of Understanding (MoU) with the Institute of Company Secretaries of India (ICSI) to offer an exclusive suite of banking and credit card solutions tailored for Company Secretaries (CS) across the country.”
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