AU CS Credit Card
AU CS is a no-fee metal card built specifically for Company Secretaries who are registered members of ICSI, essentially replicating the earn structure AU already built for its Chartered Accountant card. You get 8 reward points per ₹100 spent on dining, travel, tax payments and software purchases, whether for business or personal use, though that accelerated rate is capped at 5,000 points per statement cycle. Everything else in general retail earns 2 points per ₹100, while utility bills, telecom and insurance payments trickle in at 1 point per ₹100 (capped at 100 points per transaction). A handful of categories — cash, rent, wallet loads, education, government payments, transportation, EMI, fuel, BBPS and quasi-cash — don't earn anything at all. On top of the earn rate, the card throws in 25% cashback when you renew your ICSI membership, a 2,000-point bonus for spending ₹5,000 in the first 30 days after activation, a free SwiggyOne Quarterly Dining Membership once you cross ₹10,000 in that same window, two domestic airport lounge visits every quarter, a 1% fuel surcharge waiver capped at ₹250, and a forex markup as low as 1.99%. As the name suggests, only practicing or registered ICSI members can apply for this card.
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 Company Secretaries (ICSI 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
- A metal card with no lifetime cost, earning 8 points per ₹100 on dining, travel, tax and software
- 25% cashback when you renew your ICSI membership
- Quarterly domestic lounge visits, a 1% fuel waiver capped at ₹250, and a low 1.99% forex markup
- 2,000 bonus points on activation plus a SwiggyOne Quarterly Dining Membership
✕ Cons
- Eligibility is limited strictly to ICSI members (Company Secretaries)
- The accelerated 8-point rate is capped at 5,000 points per statement cycle and only covers dining, travel, tax and software — cash, rent, wallet loads, education, government, transportation, EMI, fuel, BBPS and quasi-cash transactions earn nothing
Eligibility & documents
Age
21 –65 years
Min. income
₹25,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- ICSI 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 too — only ICSI members (Company Secretaries) can hold this card, so it isn't open to applicants outside that profession.
The bottom line
AU's Company Secretary equivalent of the CA card, and equally generous — 8 points per ₹100 (roughly 2%) on tax, software, dining and travel, a metal build with lounge access, a low 1.99% forex markup, and a SwiggyOne dining membership thrown in as a welcome perk, all with no annual fee. Eligibility is the only real hurdle — you need to be an ICSI member.
Sources & verification
Fees, reward rates, and benefits for the AU CS 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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