Tejas Credit Card
A ₹500 points card: 1 point per ₹100 on most spends and 5 per ₹100 on bookings through AU Rewardz, plus 10% off (up to ₹50 a month each) on movies, groceries, food delivery, cabs and bills; 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.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| The joining fee is charged on card activation and is not waived; the annual fee from the second year is waived on ₹1,50,000 of retail spend in the previous card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends (utility and telecom up to 100 points a transaction) | 1 point per ₹100 Product page | no cap on record |
Spends made through the AU Rewardz portal (flights, hotels, vouchers, bill payments) earn 5 points per ₹100; CardWise counts ordinary spends at 1 point. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Welcome: 2,000 bonus points or a ₹500 brand voucher on activation and a first transaction within 30 days (joining fee must be paid) Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 5 points per ₹100 on flights, hotels, vouchers and bills bought through AU Rewardz Product page
- 500 bonus points for 5 or more transactions of ₹500 in a statement cycle Product page
- 10% off movies on District, up to ₹50 a month Product page
- 10% off Amazon Fresh / Amazon Now groceries, up to ₹50 a month Product page
- 10% off Zomato food delivery, up to ₹50 a month Product page
- 10% cashback on Uber, Ola, Rapido and other cab rides, up to ₹50 a month Product page
- 10% cashback on bills paid in the AU 0101 app, up to ₹50 a month 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
- airport lounge access
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page gives ₹100 a statement cycle in two places and ₹250 in another; AU's key fact statement of 30 Sep 2026 gives ₹100 a statement month for Tejas, which CardWise uses.
- Point value: the Tejas 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, as the welcome choice of 2,000 points or a ₹500 voucher also implies.
- The Tejas page's FAQ on merchant discounts is headed 'AU Laksya Credit Card' but lists Tejas's 10% offers; CardWise treats it as an AU typo.
The quotes behind the figures
31 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“The joining fee for the AU Tejas Credit Card is ₹500 + GST.”
“Annual Card Membership fee : ₹500 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards fee waiver : ₹1,50,000 retail spends done in previous card anniversary year”
“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%”
“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.”
“Earn 1 Reward Point per ₹100 spent on all other categories”
“Cash, Rent, Education & Govt, EMI, Fuel, BBPS, transportation and Quasi Cash transactions are not eligible for Reward Points”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“No, there is no joining fee waiver on the AU Tejas Credit Card.”
“Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.”
“Welcome Benefit is available for Primary cardholder who has paid the Joining Fees of the card.”
“Each transaction amount should be greater than or equal to ₹500”
“Save 1% surcharge on fuel spends ₹400-₹5,000 across India* (Maximum ₹100 per statement cycle)”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹250 per statement cycle).”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“2,000 Bonus Reward Points or ₹500 Brand Voucher on card activation*”
“Earn 5 Reward Points per ₹100 spent via AU Rewardz on Flights, Hotels, Voucher Shopping, Bill Payments, etc.”
“Earn 500 Bonus Reward Points by completing 5 transactions or more in a statement cycle.”
“Earn 10% instant discount on Movies via District by Zomato every month (max cashback ₹50 per month).”
“Earn 10% instant discount on Amazon Grocery/Amazon Now every month (max cashback ₹50 per month).”
“Earn 10% instant discount on Food delivery via Zomato every month (max cashback ₹50 per month).”
“Earn 10% cashback on Cab services (all major providers like Uber, Ola, Rapido, etc.) every month (max cashback ₹50 per month).”
“Earn 10% cashback on Bill payments via AU 0101 application every month (max cashback ₹50 per month).”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“Tejas Credit Card Maximise your savings and rewards with each spend Apply Now”
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