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AU Small Finance Bank
AU Kosmo Credit Card
Shopping
Cashback
1st Year Fee: ₹ 0
Cashback
1% cashback on Scan & Pay spends
Shopping
0.5% cashback on other spends
No Fee
Lifetime free with no joining/annual fee
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About AU Kosmo Credit Card
AU Kosmo Credit Card, also known as AU Kiwi Credit Card, offered in partnership with AU Small Finance Bank and Kiwi, is a lifetime free credit card designed for consumers who frequently use UPI and make online and offline purchases. Cardholders can earn up to 1.5% cashback on eligible UPI Scan & Pay transactions made through the Kiwi app, along with 0.5% cashback on online payments and shopping spends.
In addition to cashback benefits, the card allows eligible transactions of Rs. 500 and above to be converted into EMI, subject to the minimum total value requirement of Rs. 2,000. Overall, AU Kosmo Credit Card can be a suitable option for consumers looking for a lifetime free card with cashback on UPI, and other online/offline spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Key Features & Benefits
Cashback Benefits:
- 5% cashback on a min. spend of Rs. 100 on UPI Scan & Pay transactions via Kiwi app
- 5% cashback on online payments via Kiwi app
- 5% cashback on offline & online shopping1
Other Benefits:
- Lifetime free credit card with no joining and annual fees
- 1% fuel surcharge waiver (Up to Rs. 100) on fuel spends between Rs. 400 and Rs. 5,000 across all fuel stations
AU Kosmo Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | 15% of Total Amount Due (Minimum Rs. 10, and Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if
You frequently make UPI Scan & Pay payments through the Kiwi app
You want a lifetime free credit card with no joining or annual fee
You regularly shop online or offline and want to earn cashback on these spends
You want the flexibility to convert eligible purchases into easy EMIs
Paisabazaar Review
What do we like about this card?
AU Kosmo Credit Card stands out for its focus on cashback across UPI, online payments and shopping, making it relevant for consumers with varied everyday spending patterns. The 1.5% cashback on eligible UPI Scan & Pay transactions through the Kiwi app is the key benefit, particularly for consumers who frequently make UPI payments. The additional 0.5% cashback on online payments and shopping gives the card broader utility beyond UPI transactions. However, consumers who actively use the Kiwi app can maximize the overall value as the highest cashback rate is linked to Kiwi-based UPI Scan & Pay transactions. This card is a suitable option for consumers looking for a no-fee credit card with cashback on UPI and everyday shopping spends.
Pros
- Lifetime free credit card with no joining or annual fees
- 1.5% cashback on UPI Scan & Pay transactions through the Kiwi app
- 0.5% cashback on online payments through the Kiwi app and on online & offline shopping
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000.
Cons
- The higher 1.5% cashback rate is offered only on eligible UPI Scan & Pay transactions through the Kiwi app
- Cashback rate on online payments and shopping is limited to 0.5%
- Fuel surcharge waiver is capped at Rs. 100
Frequently Asked Questions
Everything you need to know about this credit card
AU Kosmo Credit Card is a lifetime free credit card offered by AU Small Finance Bank in partnership with Kiwi. It offers cashback on eligible UPI Scan & Pay, online payment, and shopping transactions, along with fuel and EMI-related benefits.
Cardholders can earn 1.5% cashback on eligible UPI Scan & Pay transactions made through the Kiwi app, and 0.5% cashback on online payments via Kiwi app, along with other offline & online shopping spends.
No. The 1.5% cashback rate is applicable to eligible UPI Scan & Pay transactions made through the Kiwi app. The cashback rate and eligibility may vary for other types of transactions.
Yes. The card can be particularly useful for consumers who frequently make UPI Scan & Pay payments through the Kiwi app, as these transactions offer the highest cashback rate of 1.5% among the card\'s listed cashback categories.
Yes. Eligible transactions of Rs. 500 and above can be converted into EMI, subject to a minimum total transaction value of Rs. 2,000 and applicable terms and conditions.
AU Kosmo Credit Card is best suited for consumers seeking a lifetime free credit card that offers cashback on UPI, online and shopping spends, along with basic benefits such as fuel surcharge waiver and EMI conversion.
Footnotes
- No Kiwi rewards will be offered on cash, rent, education & govt, insurance, EMI, fuel and BBPS transactions.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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