AU Small Finance Bank · Scored card guide

AU Tejas

1 point/₹100 ordinary eligible spend, voucher-value estimate. Confirm your actual channel, merchant code and eligibility.

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Where it pays

Issuer FAQ gives one point per ₹100 on ordinary eligible spends. The five-points/₹100 rate applies specifically via AU Rewardz, which generic shopping does not establish, and is omitted. Fuel, rent, education, government, EMI, BBPS, transportation, cash and quasi-cash are excluded; generic Utilities payment route is left unscored. AU issuer policy values points at ₹0.20 for gift-card/voucher redemption, not cash. One annual redemption after minimum 200 points is assumed, deducting the ₹99 + GST per-redemption charge. ₹500 joining/annual plus GST, with conditional ₹1.5 lakh previous anniversary-year renewal waiver omitted. Welcome benefits, partner cashback and transaction-count milestone omitted. Issuer reward policy: https://www.au.bank.in/ausfb-reward-points-ausfb-credit-card-reward-points-usage-tnc_2ndjune23.pdf ; schedule: https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf .

Modeled annual cost: ₹500 joining/annual fee plus estimated 18% GST; one ₹99 + GST voucher redemption fee already deducted from points, conditional renewal waiver not assumed.

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/tejas-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.

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