AU Business Cashback Credit Card

Cashback: 1% cashback (up to Rs. 1,000 per month) on paying the total amount due.

Note: Wallet reloads/spends, rent payment, cash withdrawal and fuel spends will not be considered for milestone benefits.

Access to Instant Loan: Eligible card users can avail instant loan on credit card after 90 days of card issuance.

Railway Lounge Access: 8 complimentary railway lounge access in a year (up to 2 visits per quarter).

Monthly Fee Waiver: Monthly fee of Rs. 99 waived off on spending Rs. 10,000 in a statement cycle.

Dining Benefit: Up to 30% off at 300+ partnered restaurants across 30 cities of India under the Silver Spoon Dining Program.

Insurance Cover: Cardholders can get complimentary insurance cover as mentioned below:

• Up to Rs. 25,000 as Cash in Counter coverage
• Up to Rs. 1.5 Lakh as Cash in Transit coverage
• Up to Rs. 1.5 Lakh as Public Liability coverage
• Up to Rs. 2 Lakh as Fire Insurance coverage
• Up to Rs. 2 Lakh as Housebreaking coverage

Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to Rs. 200 per month) on fuel transactions worth Rs. 400 to Rs. 5,000 across all fuel stations in India.

MSME Business Credit Cards are designed to cater to the needs of small and medium business owners. With instant credit availability, MSMEs can streamline their expenses and earn substantial savings. Here are several ways in which getting a business credit card can help you:

• Credit availability for working capital and business needs
• Instant loan approval for business requirements
• Increase the cash flow of the business
• It helps keep your business and personal expenses separate
• Avail business-related benefits while earning cashback

Click here to know about detailed fees & charges and other terms & conditions.

AU Business Cashback Credit Card is offered to small and medium business owners. In addition to this, the applicant must fulfill the below-mentioned eligibility criteria:

• The applicant must be an Indian resident
• Add-on cardholder should be over 18 years
• Primary cardholder between the age of 21 years and 60 years

Note: The above-mentioned criteria are only indicative, the bank reserves the right to approve or decline applications for credit cards.

Q. What is the credit limit offered on AU Business Cashback Credit Card?

A. This credit card offers a minimum credit limit of Rs. 30,000 and above. However, the credit limit is decided by the bank after scrutinizing your credit card application based on your credit score, repayment history, credit profile, and more.

Q. How can I apply for AU Business Cashback Credit Card?

A. Small and medium business owners can apply for this credit card online through the official website of the bank. Besides this, you can also visit the nearest branch of the bank and submit a duly filled application form to apply for this credit card. The bank will verify your details and process your request.

Q. Can I earn cashback on fuel transactions through AU Business Cashback Credit Card?

A. No, fuel transactions, wallet reloads/spends, rent payments, and cash withdrawals are not eligible for cashback. However, cardholders can earn a 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India.

Q. Can I use the tap and pay feature with AU Business Cashback Credit Card?

A. Yes, you can make contactless transactions for up to Rs. 5,000 with this credit card. All you need to do is tap your credit card at the PoS machine and complete a transaction without entering any PIN.

Q. How can I claim the insurance benefits offered on AU Business Cashback Credit Card?

A. The card offers insurance benefits of up to Rs. 2 Lakh. To claim any insurance benefits, you can contact the customer care number at 1800-120-130-130. Besides this, you can also drop an email to claims@aubank.in regarding the same.

Q. Is it possible to get an instant loan on AU Business Cashback Credit Card?

A. Yes, cardholders can avail instant loan facility in order to meet their business requirements and needs. Eligible cardholders can avail this benefit only after 90 days of getting the credit card issued.

Q. Does AU Business Cashback Credit Card offer any travel benefits?

A. Yes, the card offers 8 complimentary railway lounge access in a year, with a maximum of 2 visits per quarter. This can be beneficial for frequent travellers who prefer to travel via train.