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1st Year Fee: ₹ 0
Online Shopping
6% back as CheQ Points on everyday brands
Rewards
2.5% back on dining, groceries & more
UPI Benefits
RuPay Card with 1.25% back on UPI spends
Author: Lepakshi Phogat
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CheQ AU Credit Card is a lifetime free co-branded card designed for those who frequently shop online. This card offers accelerated rewards on several popular brands for everyday spends like travel, utility bills, groceries, dining, and more. You can maximise these rewards by using the CheQ app to make travel bookings, paying bills and making other brand purchases. Offered on both Visa and RuPay networks to every user, this AU Credit Card can also be used to make seamless UPI transactions while earning up to 1.25% value-back on such spends. Moreover, CheQ AU Credit Card is India’s first LED Credit Card that comes with the option of enabling the feature of glowing 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 CheQ website.
CheQ Point Earning
Note: UPI transactions made on CheQ app using RuPay card variant for 12% and 5% reward category spends will earn 24 and 10 CheQ Points respectively for every Rs. 200 spent.
CheQ Point Redemption via CheQ App


| Fee Type | Amount |
|---|---|
| Joining Fee | Nil (one-time charge of Rs. 999 for LED experience on Visa card variant) |
| Annual Fee | Nil |
| 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| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher |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) |
You shop online very often and want a card that offers higher value-back on top brands, travel bookings and utility bill payments
You want a RuPay Credit Card that offers benefits on UPI spends
You frequently shop products from the associated brands like Amazon, Flipkart, Bigbasket, Zomato, etc. to optimize the accelerated rewards value
You can maximise your value-back by using CheQ app for travel bookings, online shopping, brand gift cards and utility bills
Travel3.0/5
Rewards3.5/5
Online Shopping4.0/5
CheQ AU Credit Card is a strong lifetime free option for consumers who frequently shop online and also want decent rewards on UPI transactions. Offering up to 6% value-back, the card enables savings across major spending categories, including shopping, travel, utility bill payments, food delivery and household expenses. While the accelerated rewards are applicable when purchases are made through the CheQ App, this is unlikely to be a significant limitation, as the platform supports a wide range of popular brands and merchants, including Amazon, Flipkart, Apple, Zomato, BigBasket and many more. Additionally, cardholders can redeem their accumulated rewards for travel bookings and brand gift vouchers through the CheQ App at a 2:1 redemption ratio, further enhancing the overall value proposition.
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 and utiltiy bill payments accrue accelearted rewards on this app, those who do not use the app will not be able to maximise the benefits. However, CheQ app allows you to make your bill payments, travel bookings and shop from a wide range of popular brands and platforms, thus not limiting you to only a few features or categories. So, you can use this app as a complete solution to your spending needs and maximise your savings. In case, you don’t wish to 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.
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Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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