Cheq AU Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
12% rewards on Amazon, Flipkart, Zomato, BigBasket & CheQ app bill payments/travel; 5% on other online shopping, travel, food delivery & grocery; 1% base rate
Welcome Bonus
Welcome gift benefit on card activation & setup
Lounge
No Lounge Access
Our Expert Take
The Cheq AU Credit Card from AU Small Finance Bank offers Accelerated CheqChips on Credit Card Bill Payments with an annual fee of ₹499 + Taxes.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
12% at partner brands and 5% on key categories
Max 12,000 CheQ points per month
-
1% on other spends (₹200 and above)
No limit
No rewards on: Wallets, jewellery/gold, rent, insurance, education, government, fuel, EMI, gaming, cash
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app
- 5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery
- 24 CheQ Points per ₹200 on utility bill payments via the CheQ app
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- No airport lounge access
- Top rates require routing spends through the CheQ app specifically
- Base reward rate outside CheQ-linked spends is just 1%
Key Perks & Spending Milestones
12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app
5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery
24 CheQ Points per ₹200 on utility bill payments via the CheQ app
1% base rate on other spends
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on Cheq AU Credit Card?
Does Cheq AU Credit Card offer lounge access?
Compare Cheq AU Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Cheq AU Credit Card This Card | ₹499 + Taxes | 12% rewards on Amazon, Flipkart, Zomato, BigBasket & CheQ app bill... | No Lounge Access | 4.3/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |