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AU Small Finance Bank
AU Fi MagniFi Credit Card
Lifetime Free
Rewards
1st Year Fee: ₹ 0
No fee
Zero joining and annual fees
Rewards
5% value-back on all weekend spends
Shopping
20% discount on Zepto, Amazon, etc.
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About AU Fi MagniFi Credit Card
AU Fi MagniFi is a lifetime free credit card that offers accelerated benefits on weekend spends. It offers 5% value-back on all online and in-store weekend spends as well as 20% discounts on popular brands like Zomato, BookMyShow, Amazon, and Zepto during weekends. Besides this, it offers a low reward rate of 0.5% weekday spends.
Apart from rewards, this AU Small Finance Bank Credit Card offers basic benefits, such as EMI conversion and contactless transactions. Overall, relaxed eligibility criteria & higher benefits on weekend spends make this card a suitable option for new-to-credit consumers who can smartly plan their spends during weekends and maximize benefits.
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 website.
Key Features and Benefits
Rewards Program
- 5% back on all weekend spends online & in-store as 20 Fi-Points per Rs. 100 spent, capped at 2,000 Fi-Points
- 0.5% back on weekday spends on online & instore as 2 Fi-Points per Rs. 100 spent1 , capped at 2,000 Fi-Points
- Redeem Fi-Points against the card bill, convert to airmiles at a value of 1 Fi-Point = Rs. 0.25, or avail 50% off on gift vouchers via the Fi money app
Benefits on Top Brands
- 20% off (Up to Rs. 100) on BookMyShow, Amazon, Zepto & Zomato food orders, on a minimum value of Rs. 500 on weekends
EMI Conversion
- Convert spends of Rs. 500 or above into EMI with a total value of Rs. 2,000, by clubbing up to 20 billed or unbilled transactions together for conversion
AU Fi MagniFi Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due (Minimum Rs. 10, Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You want to start your credit journey with a lifetime free credit card
You prefer to spend on weekends and are looking for a card with accelerated benefits on weekend spends
You frequently use partner brands, including Zomato, BookMyShow, Amazon, and Zepto
Eligibility Criteria:
Occupation: Salaried & Self-employed
Age Requirement for Salaried: 21 to 60 years
Age Requirement for Self-employed: 25 to 65 years
Paisabazaar Review
What do we like about this card?
AU Fi MagniFi Credit Card is a decent choice for consumers looking for a lifetime free credit card with basic benefits. However, this card is more inclined towards weekend spends. It offers 5% value-back on all online and in-store weekend spends, along with 20% discounts on popular brands like Zomato, BookMyShow, Amazon, and Zepto. However, the reward rate offered on weekday spends is comparatively low at 0.5%. Also, besides rewards & discounts, this credit card does not have much to offer. Overall, with relaxed eligibility criteria & more focus on weekend spends, this credit card is suitable for consumers planning to start their credit journey, particularly those who spend largely on weekends rather than weekdays.
Pros
- Lifetime free card with zero joining and annual fees
- Accelerated 5% value-back on weekend spends
- 20% discount on Zomato, BookMyShow, Amazon, and Zepto per month
- Redemption of Fi-Coins against the card bill or airmiles
Cons
- No travel benefits like complimentary lounge visits
- Accelerated reward points and discounts are only limited to weekend spends
- Low reward redemption ratio of 1 Fi-Coin = Rs. 0.25
Frequently Asked Questions
Everything you need to know about this credit card
Yes, AU Fi MagniFi Credit Card offers 20% off (up to Rs. 100 per month) on BookMyShow, Amazon, Zepto, and Zomato food orders, with a minimum spend of Rs. 500, applicable only on weekends, making it ideal for weekend entertainment, dining, and online shopping.
With the AU Fi MagniFi Credit Card, 1 Fi-Point equals Rs. 0.25. Fi-Points can be redeemed to pay your card bill, convert into air miles, or get up to 50% off on gift vouchers via the Fi Money app, giving you flexible ways to use your rewards for shopping, travel, or everyday expenses.
Yes, transactions of Rs. 500 or more can be converted into EMI by clubbing up to 20 billed or unbilled transactions, with a total EMI value up to Rs. 2,000, making it easier to manage larger or multiple purchases.
No, this card does not provide airport lounge access or premium travel perks. It is primarily designed for everyday spends.
Yes, you cannot earn rewards on EMI, fuel, rent, insurance, government, and educational spends.
AU Fi MagniFi Credit Card is a lifetime-free card ideal for weekend spenders and frequent Zepto or Amazon shoppers, offering high weekend rewards and flexible Fi-Point redemptions, making it a practical choice for everyday spending, dining, entertainment, and online shopping.
Footnotes
- Exclusions: EMI, Fuel, Rent, Insurance, Govt & Educational spends
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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