Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Win Assured Cashback
Talk to Expert
Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Scan to download on
-
Personal Loan
-
Business Loan
-
Home Loan
-
Other Loans
Overview
By Amount
By Type
By Need
Overview
By Schemes
By Need
By Profession
Overview
By Amount
By Schemes
By Profession
Loan Types
Overview
By Category
Bonds
Fixed Deposit
Mutual Funds
Know Your Score
Investment Calculator
Loan EMI Calculator
Loan Eligibility Calculator
By Category
Sign in
Sign in
Talk to Expert
Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
AU Small Finance Bank
CheQ AU Credit Card
Shopping
Rewards
1st Year Fee: ₹499* Plus Applicable Taxes
Online Shopping
12% back as CheQ Points on everyday brands
Rewards
5% back on dining, groceries & more
UPI Benefits
RuPay Card with 2.5% back on UPI spends
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
The entered number doesn't seem to be correct
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
About CheQ AU Credit Card
CheQ AU Credit Card is a co-branded card designed for those who frequently use the CheQ App for bill payments, travel bookings and more. This card offers accelerated rewards on several everyday brands along with covering some offline categories like supermarkets, offline stores, bookstores, dining and more under their accelerated rewards program. Available on the RuPay network, the card can be used to make seamless UPI payments along with earning value-back on UPI spends even at local shops and kirana stores. Moreover, CheQ AU Credit Card is India’s first LED Credit Card that glows green every time you tap the card. Read on to know more about this card.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the AU Small Finance Bank’s website.
CheQ AU Credit Card: Features and Benefits
CheQ Point Earning
- 24 CheQ Points per Rs. 200 spent on Amazon, Flipkart, Zomato, Apple, Bigbasket, CheQ Travel and utility bill payment through the CheQ App
- 10 CheQ Points per Rs. 200 spent other key categories1
- 5 CheQ Points per Rs. 200 spent on UPI transactions through the CheQ App
- 2 CheQ Points per Rs. 200 spent on categories not mentioned above except exclusions2
CheQ Point Redemption
Accumulated CheQ Points can be redeemed on the CheQ App for:
- Flight and Hotel Bookings: 2 CheQ Points = Rs. 1
- Shopping across 30+ brands: 2 CheQ Points = Rs. 1
- Utility Bill Payments: 4 CheQ Points = Rs. 1
CheQ AU Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 499 + Taxes (one-time charge of Rs. 999 for LED experience) |
| Annual Fee | Rs. 499 + Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Late Payment Fees | 15% of Total Amount Due (Minimum Rs. 10, Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You use the CheQ App for bill payments, travel bookings, etc. every month
You want a RuPay Credit Card that offers benefits on UPI spends
You frequently shop products from the associated brands like Amazon, Flipkart, etc. to optimize the accelerated rewards value
Your spend a considerable amount on dining, groceries, supermarket, offline shopping, stationery and other bonus categories
Paisabazaar Review
What do we like about this card?
CheQ AU Credit Card can be a great option for consumers who use the CheQ App for their monthly bill payments. This is particularly helpful for those who make travel bookings via CheQ because they earn higher rewards (12% CheQ Points) on these bookings along with a better redemption ratio on 2:1 on this category. Utility bill payments on CheQ also earn accelerated rewards but the redemption value drops to 4:1 in this category, reducing the overall value. The value-back on UPI spends is also competitive (2.5% CheQ Points) but not the best in the industry. Hence, if looking for cards with UPI benefit, consumers must explore other options as well.
Pros
- Accelerated rewards on everyday brands like Amazon, Flipkart, Zomato and more
- Bonus rewards on key offline categories like restaurants, supermarkets, bookstores, etc.
- UPI-enabled RuPay credit card for seamless UPI payments and reward earning on UPI spends
- 2:1 redemption ratio on CheQ App for travel bookings and shopping
- LED green glow experience on every card tap
Cons
- Limited benefits beyond the CheQ ecosystem
- Additional fee charged for the LED Card
Frequently Asked Questions
Everything you need to know about this credit card
CheQ Points are the reward currency for the CheQ AU Credit Card. You earn 24 CheQ Points per Rs. 200 on Amazon, Flipkart, Zomato, CheQ Travel, and utility bill payments; 10 points per Rs. 200 on several everyday categories; 5 points per Rs. 200 on UPI spends; and 2 points per Rs. 200 on other spends.
CheQ Points can be redeemed on the CheQ App for flights and hotels (2:1), shopping across 30+ brands (2:1), and utility bill payments (4:1).
CheQ App is India’s first LED credit card that glows green when you tap the card for payment. To get a card with LED feature, you have to pay a one-time additional fee of Rs. 999.
Since value-back is offered in the form of CheQ Points which can only be redeemed on the CheQ App, those who do not use the app will not be able to maximize the benefits. If you don’t use CheQ, you can explore other cards that align better with your needs.
While fuel spends do not earn any rewards, you can save up to Rs. 150 per month in the form of fuel surcharge waiver.
Footnotes
- Eligible MCCs: 5814. 5812, 5262, 5611, 5621, 5651, 5691, 5699, 5732, 5942, 5311, 5631, 5641, 5999, 7296, 5310, 5331, 5399, 5655, 5661, 5681, 5698, 5941, 5945, 5411, 5499, 4112, 4511, 4131, 4722, 4723, 4011, 4121, 7011
- Exclusions: Fuel, cash withdrawals, wallet loads, gold & jewellery, rent payment, insurance, education, utilities and government services
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
Trending Articles on Credit Cards
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
YES BANK
RBL Bank
IndusInd Bank
IDFC FIRST Bank
AU Small Finance Bank
Federal Bank
BOBCARD
Punjab National Bank
SBM Bank
Canara Bank
Equitas Small Finance Bank
IDBI Bank
Indian Bank
DBS Bank
Bank of India
DCB Bank Limited
Suryoday Small Finance Bank
Unity Small Finance Bank
CSB Bank
Utkarsh Small Finance Bank
Bajaj Finserv
Bank of Maharashtra
Central Bank of India
J&K Bank
UCO Bank
Union Bank of India
Nainital Bank
Tamilnad Mercantile Bank
Menu
