AU Small Finance Bank
CheQ AU Credit Card (AU Small Finance Bank)
Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.
- Lifetime free
- Works on UPI (RuPay)
- Visa / RuPay
Pros and cons
Good
- Lifetime free: no joining or annual fee
- 6% on travel: 1st of 24 travel and lounges cards we compare
- 6% on bills and utilities: 3rd of 16 bills and utilities cards we compare
- Works on UPI and earns 1.25% there
Watch out for
- No major catch against the cards we compare.
- Who it's for
- Anyone who wants a no-fee card for travel that also works on UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.5% (base rate)
- Online shopping
- 2.5%
- Fuel
- 0%
- UPI
- 1.25%
- Travel
- 6%
- Bills and utilities
- 6%
- Dining and food delivery
- 2.5%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free; optional Visa LED card has a one-time ₹999 + GST issuance fee
- Forex markup
- Not published by the bank
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹500-5,000, capped at ₹150 per billing cycle per card
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Visa, RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- ₹25,000 a month
- Eligibility
- Salaried applicants aged 21-60, self-employed 25-65 (AU Bank gives these ages as a guide); resident Indian. CheQ asks for a monthly income of ₹25,000 or more, a credit score of 750 or higher and an address in an area AU Bank serves.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the CheQ AU Credit Card (AU Small Finance Bank)?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by AU Small Finance Bank.
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Is the CheQ AU Credit Card (AU Small Finance Bank) worth it in 2026?
Yes, as a no-fee card for travel that also works on UPI: it costs nothing to keep.
Is the CheQ AU Credit Card (AU Small Finance Bank) lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the CheQ AU Credit Card (AU Small Finance Bank) work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1.25% on UPI spends.
Does the CheQ AU Credit Card (AU Small Finance Bank) give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the CheQ AU Credit Card (AU Small Finance Bank)?
No CheQ Points on transactions under ₹200 (points are calculated per ₹200 spent). Fuel earns no points. Utility bills and UPI payments made outside the CheQ app earn nothing; bills paid inside the CheQ app earn the 12% tier, so utilities aren't excluded outright.
Is there a limit on rewards with the CheQ AU Credit Card (AU Small Finance Bank)?
The 12% and 5% tiers share one cap of 12,000 CheQ Points per statement cycle (₹6,000 at 2 points = ₹1 on gift cards or CheQ Travel; ₹3,000 if redeemed on bill payments at 4 points = ₹1). After that, spends earn at the 2.5% (CheQ UPI) or 1% rate with no cap.
Who can get the CheQ AU Credit Card (AU Small Finance Bank)?
The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Self-employed people can apply: Monthly income ₹25,000 or more; credit score 750+; living in an AU-serviceable area. Salaried applicants aged 21-60, self-employed 25-65 (AU Bank gives these ages as a guide); resident Indian. CheQ asks for a monthly income of ₹25,000 or more, a credit score of 750 or higher and an address in an area AU Bank serves. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read AU Small Finance Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on AU Small Finance Bank's official page. Fees and rewards change; check the issuer's terms before you apply.