AU Tejas Credit Card – Benefits, Fees & Eligibility

Introduction

The Tejas Credit Card, issued by AU Small Finance Bank, is positioned as a card designed to maximize savings and rewards. Its key differentiating benefits include a significant 10% cashback on popular spending categories, the opportunity to earn up to 5 Reward Points on AU Rewardz for every ₹100 spent, and valuable welcome benefits upon card activation.

Welcome Benefits

• Receive 2,000 Bonus Reward Points or a ₹500 Brand Voucher upon card activation.
• Earn 500 Bonus Reward Points by completing 5 transactions.

Fees

• Joining Fee: ₹500 + applicable taxes.
• Renewal Fee: ₹500 + applicable taxes (from the 2nd year onwards).
• Spend-Based Waiver: The annual card fee for the 2nd year onwards can be waived if retail spends of ₹1,50,000 are made in the previous card anniversary year.
• Fuel Surcharge Waiver: Save 1% surcharge on fuel spends between ₹400 and ₹5,000 across India, with a maximum waiver of ₹100 per statement cycle.

Rewards

• Cashback: Flat 10% cashback on spends at partner merchants across categories such as movies, grocery delivery, food delivery, cab booking, and bill payments.
• Reward Points: Earn up to 5 Reward Points per ₹100 spent.
• Bonus Reward Points: Earn 500 Bonus Reward Points by completing 5 transactions.
• Fuel Surcharge Waiver: Save 1% surcharge on fuel spends between ₹400 and ₹5,000 across India, with a maximum waiver of ₹100 per statement cycle.
• Add-on Cards: Lifetime-free add-on cards are available for loved ones.

Rewards Redemption Guide

• Redeem your accumulated Reward Points for a range of benefits through AU Rewardz.

Card Eligibility Criteria

• Primary Cardholder Age Group:
  • Self Employed: 25 years to 65 years
  • Salaried: 21 years to 60 years
• Add-on Cardholder Age: Should be over 18 years.
• Residency: Must be a Resident Indian.
• These criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline applications.

Important Product Details

• Positive Highlights:
  • 10% cashback on popular categories like movies, grocery, food delivery, cabs, and bill payments.
  • Earn up to 5 Reward Points per ₹100 spent.
  • Welcome benefits including bonus reward points or a brand voucher.
  • Bonus reward points for completing initial transactions.
  • 1% fuel surcharge waiver (up to ₹100 per cycle).
  • Lifetime-free add-on cards.
  • Option to convert transactions of ₹500 and above (minimum total ₹2,000) into EMIs with Xpress EMI.
  • Contactless payment facility for quick and secure transactions up to ₹5,000 without a PIN.
• Negative Highlights:
  • An annual card membership fee of ₹500 + applicable taxes, though it can be waived based on annual spending.

Other Details

• Xpress EMI: Manage credit card bills by converting transactions of ₹500 and above, with a minimum total value of ₹2,000, into EMIs.
• Contactless Payments: Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone (with a digitally added card) on a POS machine.
• Add-on Cards: Offer credit card benefits to family members through lifetime-free add-on cards.
• AU Rewardz: A platform to redeem earned Reward Points for various benefits.
• Legal Disclaimers: Important Terms and Conditions and Card Member Agreement documents are available for review.
• AU Small Finance Bank Benefits:
  • National presence with 1042 branches & ATMs.
  • Quality services at competitive rates.
  • Ample touchpoints for convenient customer service.
  • Superfast AU 0101 App for managing and tracking transactions.
  • Sustained growth with a balance sheet of over ₹1 lakh crore.
• AU 0101 Mobile App Features:
  • View balance and transactions.
  • Download account statements.
  • Request cheque books.
• Referral Program: Option to refer the account to friends and family.