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AU Small Finance Bank
AU Business Cashback Credit Card
Lounge Access
Dining
1st Year Fee: ₹ 0
Dining Benefit
30% discount on dining bills
Lounge Access
8 railway lounge visits yearly
Fuel Benefit
Save Rs. 2,400 on fuel yearly
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About AU Business Cashback Credit Card
AU Business Cashback Credit Card is an ideal choice for consumers who are looking for a basic credit card as per their business requirements. This credit card offers 1% cashback on the repayment of total amount due, capped at Rs. 1,000 per month. Besides this, it also offers 8 complimentary railway lounge visits annually, making it a preferable option for frequent train travellers.
It also offers 30% discount at over 300 partner restaurants under the Silver Spoon Dining Program, which adds to its value. However, this credit card does not offer any airport lounge visits and welcome/renewal benefits. Overall, this credit card is a suitable option for small business owners seeking a credit card with basic benefits.
Cashback, Travel & Dining Benefits
Cashback Benefit
- 1% cashback on the repayment of the total amount due (Max. cashback of Rs. 1,000 per month)1
Travel Benefit
- 8 complimentary railway lounge access per year (Max. 2 per quarter)
Dining Benefit
- Up to 30% discount at 300+ partnered restaurants under Silver Spoon Dining Program
Fee Waiver
- Monthly fee waiver on spending Rs. 10,000 in a month
Other Features & Benefits
Fuel Benefit
- 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 (Capped at Rs. 200 per month)
Insurance Benefits
- Up to Rs. 25,000 as Cash in Counter coverage
- Up to Rs. 1.5 Lakh each as Cash in Transit coverage & Public Liability coverage
- Up to Rs. 2 Lakh each as Fire Insurance coverage & Housebreaking coverage
AU Business Cashback Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Monthly Fee | Rs. 99 + Taxes |
| 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 are looking for a credit card that offers cashback on repayment of your total amount due
You travel frequently by train and want complimentary railway lounge access
You frequently dine out and seek discounts at partner restaurants
Other Similar Cards
Paisabazaar Review
What do we like about this card?
AU Business Credit Card is a decent choice for consumers who are looking for an entry-level credit card for their business needs. This card offers 1% cashback on repayment of total amount due and up to 30% discount at 300+ partner restaurants under Silver Spoon Dining Program. Additionally, this card is a suitable choice for consumers who travel frequently via railways and are looking for a card that provides complimentary railway lounge access. However, AU Business Credit Card does not provide any international and domestic airport lounge visits, limiting its overall value for frequent travellers.
Pros
- 8 complimentary railway lounge visits annually
- 1% cashback on total repayment due
- Up to 30% discount at 300+ partner restaurants
- Up to Rs. 2,400 savings on fuel spends every year
Cons
- No international or domestic airport lounge access
- No welcome benefits or bonus rewards on joining fee
- Cashback is capped at Rs. 1,000 per month, limiting high spenders
Frequently Asked Questions
Everything you need to know about this credit card
AU Business Cashback Credit Card offers 1% cashback on repayment of the total amount due every month. However, this cashback is capped at Rs. 1,000 per month.
Cardholders get 8 complimentary railway lounge visits per year, limited to 2 visits per quarter. Lounge access is available at select railway stations using the VISA or RuPay variant of the card.
The card offers up to 30% discount at over 300 partner restaurants across 30 cities under the Silver Spoon Dining Program, making it beneficial for frequent dining and business meals.
Yes, the monthly fee of Rs. 99 plus taxes is waived if retail spends on the card exceed Rs. 10,000 in a billing cycle, helping reduce overall card cost.
The card offers 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 200 per month, providing modest savings on regular fuel expenses.
Footnotes
- Exclusion: Wallet reloads/spends, Rent payment, Insurance, Fuel & Cash transactions.
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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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