The verdict
Compare partner-offer limits with your actual purchases. Base retail earns 1 point per ₹100; the 5-point rate applies through AU Rewardz. A universal cash value per point is not verified here.
✓What works
- +10% offers at named partners, with separate limits.
- +500 monthly bonus points after five qualifying transactions of at least ₹500.
- +Annual fee waiver at ₹1,50,000 eligible retail spend in the anniversary year.
✕What doesn't
- −₹500 + GST joining and annual fees; no joining-fee waiver.
- −Small partner-offer caps and platform requirements.
- −Point-to-rupee conversion needs confirmation before calculating returns.
What it earns
1 reward point per ₹100 on other eligible spending; up to 5 points per ₹100 through AU Rewardz. 500 bonus points require at least five transactions of ₹500 or more in one statement cycle.
Standard baseline rate: 10% partner offers capped at ₹50 · 1 Point / ₹100 base retail · 8 Railway Lounges
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
AU Rewardz redemption options are listed on the bank page, but a universal ₹0.25 point value and minimum-redemption amounts are not established. The choice of 2,000 welcome points or a ₹500 voucher does not establish a general conversion rate.
Fee Schedule & Waiver Criteria
Eligibility & Approval Criteria
Target Profile: Readers who use the named partners and understand the small offer caps
Frequently Asked Questions
Is AU Tejas a flat 10% cashback card?
Does ordinary retail earn 5 points per ₹100?
How do cab and bill-payment offers work?
Editorial Deep-Dive Analysis
Comprehensive Overview: AU Tejas Credit Card
The AU Tejas Credit Card is a hybrid partner-discount, utility cashback, and everyday lifestyle credit card issued by AU Small Finance Bank. Available on the Visa network with an annual membership fee of ₹500 + GST, the card offers an annual renewal fee waiver upon reaching ₹1,50,000 in eligible retail transactions during the previous card anniversary year.
The card’s marketing highlights a 10% headline return, which in practice represents targeted partner discounts and cashback across four distinct everyday merchant verticals: food delivery on Zomato, movie tickets via District by Zomato, ride-hailing cab services, and utility bill payments executed through the AU 0101 mobile banking application. Each partner offer operates with a ₹50 monthly cap on qualifying transactions, complemented by 8 complimentary railway executive lounges annually and a 500-point monthly spend booster.
Key Privileges and Practical Everyday Benefits
- Dining & Entertainment Partner Discounts (10%): Enjoy a 10% instant discount on District by Zomato movie ticket bookings (up to ₹50 per month, minimum transaction ₹150) and a 10% instant discount on Zomato food delivery orders (up to ₹50 per month, minimum transaction ₹150).
- Mobility & Utility Cashback (10%): Receive 10% statement cashback on ride-hailing cab bookings (MCC 4121, up to ₹50 per statement cycle, minimum transaction ₹150) and 10% cashback on utility bill payments processed directly via AU 0101 (up to ₹50 per statement cycle, minimum transaction ₹150).
- Monthly Spend Booster (500 Points): Earn 500 bonus reward points upon completing five qualifying retail transactions of ₹500 or more each within a single monthly statement cycle.
- Domestic Railway Executive Lounges: Access 2 complimentary railway executive lounge visits per calendar quarter (up to 8 visits annually) across participating Indian Railways junctions nationwide.
- Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver (up to ₹100 per statement cycle) for fuel transactions between ₹400 and ₹5,000 across all domestic fuel pumps.
Important Terms and Spend Conditions to Keep in Mind
- Specific Sub-Caps on 10% Offers: The 10% headline rate is not a flat return on general spending. Each of the four partner offers carries an independent ceiling of ₹50 per cycle with a mandatory minimum transaction amount of ₹150.
- Platform & Merchant Category Restrictions: Cab cashback requires transactions processed under Merchant Category Code 4121; utility bill cashback strictly requires payments made through the AU 0101 platform rather than third-party portals.
- Annual Renewal Spend Target: Waiving the ₹500 renewal fee requires ₹1,50,000 in eligible retail spending in the previous anniversary year; the ₹500 joining fee is non-waivable.
- Base Retail Reward Rate: General spending outside the specific partner channels earns at a baseline rate of 1 reward point per ₹100.
- Financing Charges: Unpaid revolving statement balances attract standard finance charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Urban Food & Cinema Enthusiasts: Young spenders who order food via Zomato and purchase movie tickets via District at least once a month.
- Daily Commuters Using Cabs & Trains: Passengers who regularly book Uber/Ola rides and utilize railway executive lounges across Indian railway junctions.
- AU 0101 Mobile Banking Users: Account holders who already pay their electricity, gas, and mobile bills through AU Bank’s native digital banking app.
- Frequent Micro-Spenders: Active cardholders who easily complete five transactions of ₹500+ each month to consistently capture the 500-point monthly booster.
- 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 & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).