AU CS Credit Card – Benefits, Fees & Eligibility

Introduction

The AU CS Credit Card, issued by AU Small Finance Bank, is a specialized credit card designed to empower India's Corporate Governance Experts, particularly Company Secretaries. Positioned as a lifetime free card, it offers significant benefits such as a flat 25% cashback on ICSI Membership Renewal and an accelerated rewards program providing 8 Reward Points per ₹100 on business and personal spends, including dining, travel, tax payments, and software purchases.

Welcome Benefits

• Receive 2000 Bonus Reward Points upon spending ₹5000 within 30 days of card activation.

Fees

• Joining Fee: Lifetime Free – No annual membership fee.
• Renewal Fee: Lifetime Free – No annual membership fee.
• Fuel Surcharge: Enjoy a 1% fuel surcharge waiver, capped at ₹250, for transactions between ₹400 and ₹5,000 at all fuel stations across the country.
• Xpress EMI Processing Fee: Zero processing fee when converting transactions of a minimum value of ₹2000 into EMI. Up to 20 billed or unbilled transactions can be clubbed for conversion.

Rewards

• ICSI Membership Renewal: Get a flat 25% cashback on renewing your annual ICSI Membership Fee.
• General Spends: Earn 8 Reward Points per ₹100 on all business and personal spends.
• Accelerated Rewards Program: Earn 8 Reward Points per ₹100 specifically on Dining, Travel, Tax Payments, and Software Purchases.
• Travel Benefits: Receive 2 Complimentary Domestic Airport Lounge Access per quarter.
• Dedicated Concierge Services: Access Global Concierge Assistance to customize travel, entertainment, and leisure experiences.
• Comprehensive Protection Cover: Benefit from comprehensive protection including Air Accident Cover and Purchase Protection.
• Curated Offers: Access exclusive offers on MMT, Times Prime Membership, and Alaya stays.

Rewards Redemption Guide

• Redeem your Reward Points for a plethora of options and amazing benefits through AU Rewardz.

Card Eligibility Criteria

• Self-Employed: Age between 25 years to 65 years.
• Salaried: Age between 21 years to 60 years.
• Add-on Cardholders: Must be 18 years or older.
• Residency: Must be a Resident Indian.
• AU Small Finance Bank reserves the right to approve or decline applications.

Important Product Details

• Positive Highlights:
  • Lifetime Free Credit Card with no annual membership fee.
  • Flat 25% cashback on ICSI Membership Renewal.
  • High reward rate of 8 Reward Points per ₹100 on business, personal, dining, travel, tax, and software spends.
  • Complimentary Domestic Airport Lounge Access (2 per quarter).
  • Zero processing fee on Xpress EMI conversions for transactions over ₹2000.
  • Comprehensive protection cover including Air Accident and Purchase Protection.
  • 1% Fuel Surcharge Waiver.
  • Dedicated Global Concierge Services.
  • Contactless card usage for quick and secure payments up to ₹5,000 without a PIN.
  • Exclusive curated offers on travel and lifestyle platforms.

Other Details

• Contactless Card Usage: Make quick and secure payments up to ₹5,000 by tapping your card or digitally added mobile phone against a POS machine, without entering your PIN.
• AU Royale Savings Account for Company Secretaries: This related offering provides an opportunity to earn up to 6.75% p.a. interest, with no minimum balance requirement, and includes a Premium AU Debit Card with the CS logo.
• Online Services: Access various quick links for card activation, bill payment, EMI conversion, fraud reporting, card management, and service requests.
• Benefits of Banking with AU Small Finance Bank: The bank offers a national presence with over 2,700 touchpoints, quality services at competitive rates, convenient branch visits, a superfast mobile app (AU 0101 App) for managing transactions, and sustained growth.
• AU 0101 Mobile App Features: View balance and transactions, download account statements, and request cheque books.
• Customer Support: 24x7 customer support is available.
• Terms and Conditions: Specific benefits like the ICSI Membership Fee cashback are subject to terms and conditions.