The verdict
Partner limits ko apne purchases se match karein. Other eligible spending par 1 point / ₹100 hai; 5-point rate AU Rewardz ke through hai. Universal point cash value verified nahi hai.
✓What works
- +Named partners par separate limits ke saath 10% offers.
- +Paanch qualifying ₹500+ transactions par monthly 500 bonus points.
- +Anniversary year mein ₹1,50,000 eligible retail spend par annual fee waiver.
✕What doesn't
- −₹500 + GST joining aur annual fees; joining fee waiver nahi.
- −Small partner caps aur platform requirements.
- −Returns calculate karne se pehle point conversion confirm karein.
What it earns
Other eligible spending par 1 point / ₹100; AU Rewardz ke through up to 5 points / ₹100. Monthly 500 bonus points ke liye ek statement cycle mein kam se kam paanch ₹500 ya zyada transactions chahiye.
Standard baseline rate: Partner offers par 10% discount (max ₹50) · Base retail par 1 Point / ₹100 · 8 Railway Lounges
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
AU Rewardz options official page par listed hain, lekin universal ₹0.25 point value aur redemption minimums established nahi hain. Welcome choice 2,000 points ya ₹500 voucher general conversion prove nahi karta.
Fee Schedule & Waiver Criteria
Eligibility & Approval Criteria
Target Profile: Named partners use karne wale readers jo small caps samajhte hain
Frequently Asked Questions
Kya AU Tejas flat 10% cashback card hai?
Kya general retail par 5 points / ₹100 milte hain?
Cab aur bill-payment offers kaise work karte hain?
Editorial Deep-Dive Analysis
Detailed Overview: AU Tejas Credit Card
AU Tejas Credit Card AU Small Finance Bank ka ek hybrid partner-discount, utility cashback, aur everyday lifestyle credit card hai. Visa network par available is card ki annual fee ₹500 + GST hai, jo previous card anniversary year mein ₹1,50,000 retail spend complete karne par 100% waive ho jaati hai.
Is card ki 10% headline दर darasal four targeted partner categories par capped discounts aur cashback ka combination hai: Zomato food delivery, District by Zomato movie tickets, cab bookings, aur AU 0101 app ke through utility bill payments. Har partner offer par monthly ₹50 ki cap aur minimum ₹150 transaction requirement apply hoti hai, jise annual 8 railway executive lounges aur monthly 500-point spend booster complement karte hain.
Key Privileges aur Everyday Benefits
- Dining & Cinema Partner Discounts (10%): District by Zomato app se movie tickets par 10% instant discount (max ₹50/month, min transaction ₹150) aur Zomato food orders par 10% instant discount (max ₹50/month, min transaction ₹150) enjoy karein.
- Cabs & Utility Bill Cashback (10%): Cab bookings (MCC 4121) par 10% statement cashback (max ₹50/cycle, min transaction ₹150) aur AU 0101 app utility payments par 10% cashback (max ₹50/cycle, min transaction ₹150) payein.
- Monthly Spend Booster (500 Points): Ek statement cycle mein ₹500 ya usse zyada ke 5 retail transactions complete karne par 500 bonus reward points earn karein.
- Domestic Railway Executive Lounges: Major Indian railway stations par per calendar quarter 2 complimentary executive railway lounge visits (annual 8 visits) avail karein.
- Fuel Surcharge Waiver: Pan-India sabhi fuel pumps par ₹400 se ₹5,000 ke fuel transactions par 1% surcharge waiver (max ₹100 per statement cycle) milta hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Strict Caps on 10% Offers: 10% flat return nahi hai; chaaro categories par independently ₹50 per cycle ki limit aur minimum ₹150 spend condition hai.
- Platform & Merchant Restrictions: Cab cashback specific merchant code (MCC 4121) par depend karta hai; utility cashback strictly AU 0101 mobile app ke through bill pay karne par hi trigger hota hai.
- Annual Fee Waiver Criterion: ₹500 renewal fee waive karne ke liye previous card year mein ₹1,50,000 retail spend achieve karna zaroori hai.
- Base Retail Reward Rate: Partner channels ke bahar general retail spends par 1 reward point per ₹100 ka base return milta hai.
- Financing Charges (APR): Unpaid revolving credit balance par 3.49% per month (41.88% p.a.) finance charges lagte hain.
Yeh Card Kinke Liye Best Fit Hai
- Urban Food & Movie Lovers: Jo regularly Zomato se khana order karte hain aur District app se cinema tickets book karte hain.
- Daily Commuters Using Cabs & Rail: Jo Ola/Uber rides book karte hain aur Indian Railways ke executive lounges ka regular use karte hain.
- AU 0101 Digital Banking Users: Jo electricity aur gas bills directly bank ke mobile app se pay karte hain.
- Frequent Spenders: Jo har month ₹500+ ke 5 transactions effortlessly complete karke 500 bonus reward points harvest kar sakte hain.
- https://www.au.bank.in/personal-banking/credit-cards/tejas-credit-card
- https://www.au.bank.in/credit-cards/mitc(with-schedule-of-charges).pdf
- https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf
- https://www.au.bank.in/pdf/District-by-Zomato-AU-Tejas-Credit-Card.pdf
- https://www.au.bank.in/pdf/Zomato-AU-Tejas-Credit-Card.pdf
- https://www.au.bank.in/pdf/Cab-Services-AU-Tejas-Credit-Card.pdf
- https://www.au.bank.in/pdf/Bill-Payments-AU-Tejas-Credit-Card.pdf
- https://www.au.bank.in/pdf/railway-lounges.pdf
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.