shoppingCo-brandVisaRuPayEntryActive
CheQ AU Credit Card
AU Small Finance Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 26 Sept 2026
Reward Program
CheQ points1 point = ₹1.00
| Category | Earn Rate | Monthly Cap |
|---|---|---|
shopping | 12% | No cap |
dining | 5% | No cap |
utility | 12% | No cap |
| All other spends | 1% | No cap |
Redemption fee: 0
🔁
Managed via CheQ mobile app
Transfer partners
CheQ points redeem through the CheQ mobile app. AU's own reward terms do the arithmetic for us: '24 CheQ points on every INR 200 spend' is described as 12%, which fixes 1 CheQ point at ₹1.10 CheQ points per ₹200 is the 5% band; 5 CheQ points per ₹200 is the 2.5% band.
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹150 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.49% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
