CheQ AU Credit Card
2 CheQ points/₹200 ordinary eligible spend, ₹0.50/point gift cards. No joining or annual fee.
Try your spend →How this estimate works
AU Small Finance Bank’s CheQ AU dual Visa/RuPay card and CheQ’s co-brand reward terms list 1% of spend in CheQ Points on ordinary eligible card transactions, calculated as 2 CheQ Points per complete ₹200. The calculator models one ordinary online or in-store purchase per month and values points only for CheQ travel or selected gift cards at 2 points = ₹1, not cash or statement credit. CheQ app bill-payment redemption values points at half that: 4 points = ₹1. Both AU and CheQ say the regular card has nil joining/annual fee; optional LED Visa design has a one-time ₹999+GST charge not modeled. A CheQ account, eligible redemption inventory and settled purchases are required. Accelerated 12%/5% merchant rates have a joint 12,000-point cap per statement and dynamic merchant lists, so they are not presumed from broad merchant categories. CheQ UPI earn requires its separate RuPay card and CheQ app and is not presumed by the general online/in-store chip. Fuel, education, gold, gambling, insurance, utility outside CheQ, rent, EMI, sub-₹200 transactions and UPI outside CheQ do not earn. Points expire after two years. One-time welcome, fuel surcharge waiver and third-party app bill rewards excluded. Verify the selected CheQ gift card/travel redemption at checkout; points cannot be transferred to cash.
Issuer terms
AU issuer card benefits and reward rules · CheQ partner card-specific earning and redemption terms · AU issuer schedule of charges and fee
Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.