What is the AU Business Cashback RuPay Credit Card?

The AU Business Cashback RuPay Credit Card is designed for self-employed individuals and MSMEs to manage business finances, offering cashback and essential privileges.

What are the main cashback features of the AU Business Cashback RuPay Credit Card?

You earn 1% cashback on the total amount due repayment on your AU Business Cashback RuPay Credit Card bill, capped at INR 1,000 per statement cycle.

Does the AU Business Cashback RuPay Credit Card offer airport lounge access?

No, the AU Business Cashback RuPay Credit Card does not provide complimentary domestic or international airport lounge access. It offers railway lounge access.

How can the monthly membership fee for the AU Business Cashback RuPay Credit Card be waived?

The monthly membership fee for the AU Business Cashback RuPay Credit Card can be waived by spending INR 10,000 or more within a statement cycle.

What business insurance benefits are included with the AU Business Cashback RuPay Credit Card?

The AU Business Cashback RuPay Credit Card provides business insurance for cash in counter, cash in transit, public liability, and fire/burglary, along with air accident and travel insurance.

What is the foreign currency markup on the AU Business Cashback RuPay Credit Card?

The AU Business Cashback RuPay Credit Card charges a foreign currency markup of 3.49% on all international transactions.

Are there any exclusions for earning cashback with the AU Business Cashback RuPay Credit Card?

Yes, cashback is not earned on e-wallet reloads, rent payments, insurance premiums, fuel purchases, and cash transactions made with the AU Business Cashback RuPay Credit Card.

Does the AU Business Cashback RuPay Credit Card offer dining benefits?

Yes, holders of the AU Business Cashback RuPay Credit Card can enjoy up to 30% discount at over 300 partnered restaurants through the Silver Spoon Dining Program.

How many complimentary railway lounge accesses does the AU Business Cashback RuPay Credit Card provide?

The AU Business Cashback RuPay Credit Card offers 8 complimentary railway lounge accesses per year, with a maximum of 2 visits per calendar quarter.

What are the charges for cash advances on the AU Business Cashback RuPay Credit Card?

Cash advance charges on the AU Business Cashback RuPay Credit Card are 2.5% of the amount withdrawn or a minimum of INR 100, whichever is higher.

AU Small Finance Bank

AU Business Cashback RuPay Credit Card

BusinessDiningTravel

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 1% cashback on the repayment of the Total Amount Due on your credit card bill, capped at INR 1,000 per cycle.

Reward Type

Cashback

Reward Redemption

Cashback earned is automatically credited to the cardholder’s account statement.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Business insurance (Cash, Transit, Liability, Fire, Burglary), Air Accident (INR 50L), Travel (INR 50K).

Movie

Not Applicable

Dining

Enjoy up to 30% discount on dining at over 300 partnered restaurants across 30 cities in India.

Travel Benefits

8 complimentary railway lounge access visits per annum; travel insurance cover up to INR 50,000.

What matters, explained clearly

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Frequently Asked Questions

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