AU CA Credit Card
Aimed squarely at practising Chartered Accountants, the AU CA Credit Card is a lifetime-free metal card issued in partnership with ICAI. Cardholders earn 8 reward points per ₹100 spent on dining, travel, tax payments and software — the categories a working CA actually spends on — whether the purchase is for the practice or personal use. Everyday exclusions apply: cash withdrawals, rent, wallet top-ups, education, government payments outside tax, transportation, EMI conversions, fuel and BBPS/quasi-cash transactions don't earn points. On top of the base earn rate, the card refunds 25% cashback on ICAI membership renewal, hands out 2,000 bonus points for ₹5,000 of spend within the first 30 days, throws in a SwiggyOne Quarterly Dining Membership once ₹10,000 is spent in that same window, and includes two complimentary domestic airport lounge visits every quarter plus a 1% fuel surcharge waiver capped at ₹250. The one hard limit: you need to be an ICAI member to qualify.
Key features
A quick rundown of what actually makes this card worth carrying.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
2% on Dining
8 reward points per ₹100 on dining (~2%), capped at 5,000 points per statement cycle combined with travel, tax and software
2% on Travel
8 reward points per ₹100 on travel — airlines & OTA air/hotel bookings; direct hotel bookings earn the base retail rate — plus tax payments and software purchases (~2%), capped at 5,000 points per statement cycle combined with dining
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
24x7 Concierge
Global concierge assistance for travel, dining and lifestyle requests
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
️ Insurance Cover
Comprehensive Protection Cover — air accident cover ₹50 lakh, card liability cover, credit shield up to ₹5 lakh, purchase protection up to ₹25,000, and travel covers for baggage loss/delay, flight delay, loss of passport and plane hijack
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2% | ₹1,250 |
| Travel | reward points | 2% | ₹1,250 |
| Other | reward points | 0.5% | — |
| Utility Bills | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 2.99% p.m. |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Non-reward perks add up to roughly ₹6,300/yr in estimated value.
️ lounge access ~ ₹4,000 /yr
2 complimentary domestic airport lounge visits per quarter; requires the card to be purchase-active in the quarter
concierge ~ ₹1,000 /yr
Global concierge assistance for travel, dining and lifestyle requests
fuel waiver ~ ₹800 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹250 per cycle
️ insurance ~ ₹500 /yr
Comprehensive Protection Cover — air accident cover ₹50 lakh, card liability cover, credit shield up to ₹5 lakh, purchase protection up to ₹25,000, and travel covers for baggage loss/delay, flight delay, loss of passport and plane hijack
Should you get it?
Best for: Practising Chartered Accountants (ICAI members), Professionals with high tax-payment and software spends
Sits in the mid tier — a dependable choice for regular monthly spending.
You'll get the most value here if Dining is a big part of your budget ( 2% back).
Regular travellers also come out ahead thanks to the built-in airport lounge access.
✓ Pros
- 8 reward points per ₹100 on key spending categories, wrapped in a metal card that costs nothing to hold
- ICAI membership renewal comes with 25% cashback
- 1% fuel surcharge waiver up to ₹250, plus quarterly domestic lounge access
- 2,000 bonus points on activation, along with a SwiggyOne Quarterly Dining Membership
✕ Cons
- Restricted to ICAI members (Chartered Accountants) — no one else can apply
- The 8-point rate only applies to dining, travel, tax and software; everything else earns the base rate, and several categories (cash, rent, wallet loads, education, government, transportation, EMI, fuel, BBPS, quasi-cash) earn nothing at all
Eligibility & documents
Age
21 –75 years
Min. income
₹25,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- ICAI membership proof
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
The main routes for turning earned points into usable value.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
What each point is actually worth depending on how you redeem it — this gap is where most cardholders lose value without realising it.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Membership is the gatekeeper here — only ICAI members (Chartered Accountants) can hold this card, so it isn't an option for applicants outside that profession.
The bottom line
A lifetime-free card that punches well above its fee — for the narrow group who can hold it. Earning 8 points per ₹100 (about 2% at ₹0.25 a point) on tax, software, dining and travel, in a metal build with lounge access and no annual cost, it's a strong pick for a CA specifically. The only real drawback is eligibility itself — ICAI membership is mandatory.
Sources & verification
Fees, reward rates, and benefits for the AU CA Credit Card are compiled from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 15 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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