AU Bank Cashback Credit Cards in India 2026

1.50% cashback on offline card spends, on purchases upto ₹6,666 per month
– You get ₹1.50 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month

0.50% cashback on online card spends
– You get 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility bills, rent, insurance, education & government category spends

Milestone benefit
– You get 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000
– Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹150 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹15,000 per month, since the waiver amount is restricted to ₹150 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

Benefits
– Complimentary railway lounge access
– 1.50% cashback on offline card spends

Drawbacks
– Reward rates on card spending are comparatively low

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)