AU Tejas Credit Card
AU Tejas is an entry-level card built around partner-brand deals rather than a broad rewards rate. Spend at its five named partners — District for movies, Amazon Fresh for groceries, Zomato for food delivery, ride-hailing apps like Uber, Ola or Rapido, and AU's own 0101 bill payments — and you get a flat 10% cashback, though each category caps out at ₹50 a month for a combined ceiling of ₹250. Everything else earns a plain 1 reward point per ₹100 spent (roughly 0.25% back), with a richer 5 points per ₹100 reserved for bookings made through the AU Rewardz portal. Hit 5 transactions of ₹500 or more in a billing cycle and you pick up an extra 500 points, on top of the 2,000-point (or ₹500 voucher) welcome bonus for activating the card and transacting within 30 days. A 1% fuel surcharge waiver is included, and the ₹590 all-in annual fee is waived entirely once you cross ₹1,50,000 in spend for the year.
Key features
The headline features that matter most on this card.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
10% on Online Shopping
Flat 10% cashback across 5 partner categories — Movies (District), Grocery (Amazon Fresh), Food delivery (Zomato), Cabs (Uber/Ola/Rapido), AU 0101 bills — each capped at ₹50/month, min ₹150/txn (max ₹250/month combined)
0.25% on Other
1 reward point per ₹100 on all other spends (~0.25%); 5 RP per ₹100 only via the AU Rewardz portal (excluded from baseline); 500 bonus points on 5 transactions of ₹500+ in a statement cycle
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 10% | ₹250 |
| Other | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value from non-reward perks — roughly ₹600/yr.
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Should you get it?
Best for: digital-first spenders who use partner apps regularly, value-seekers whose habits match the partner list
As an entry-tier card, it works well for first-time cardholders and lower-spend users.
You get the most value if a meaningful chunk of spend falls under Online Shopping (10% back).
✓ Pros
- A genuinely strong flat 10% cashback at named partner merchants (within caps)
- An extra 500-point bonus for hitting 5 transactions of ₹500+ in a cycle
- A low ₹500 fee paired with a 2,000-point welcome bonus
✕ Cons
- The strong 10% rate only applies at specific partner brands, and is capped
- Spending outside the partner list earns just an ordinary points rate
- No lounge access of any kind
Eligibility & documents
Age
21 –65 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
How to turn what you've earned into usable value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
What your Cashback are worth
What your rewards are actually worth depending on redemption route — this is where value commonly gets left on the table.
Statement credit Direct cash adjustment — no conversion
The concern The headline 10% only applies at specific partner merchants and is capped monthly, so how much real value you get hinges entirely on whether your regular spending matches AU's partner list.
The bottom line
An entry card whose value depends entirely on your spending habits: strong 10% cashback if you regularly use the five partner brands, an unremarkable 1-point-per-₹100 rate if you don't. Check the partner list and monthly caps closely before applying, since that's where this card's real value — or lack of it — lives.
Sources & verification
Fees, reward rates and benefits for the AU Tejas Credit Card are sourced from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 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.
Value timeline
Fees and reward rates for the AU Tejas Credit Card are current as of 7 Aug 2026, and can change at the issuer's discretion — always confirm the latest terms on AU Small Finance Bank's official card page before applying.
Frequently asked questions
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