AU Tejas Credit Card Review
Get the AU Tejas VISA credit card from AU Bank. Enjoy a 10% cashback rate, 2% rewards, and fuel surcharge waivers for a rewarding experience.
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AU Tejas Latest Changes & Updates
Track the latest AU Tejas changes, including reward updates, lounge access rules, fees, eligibility and benefits that impact cardholders.
- 1★ New
10% cashback on Zomato, grocery, cab and utilities
- 2
Fuel surcharge waiver
At a Glance
Key takeaways for AU Tejas
AU Tejas is an Indian credit card from Au. Based on the latest 2026 updates, it carries a ₹500 annual fee and a 2% estimated reward rate.
AU Tejas is for budget-conscious users seeking high cashback who can use rewards, lounge access, and premium benefits enough to offset the fee.
The estimated reward rate is 2%, with cashback potential of 10%.
The annual fee is ₹500 and the joining fee is ₹500.
AU Tejas is not primarily a travel-first card.
AU Tejas is worth it when annual rewards and used benefits exceed the fee after realistic redemption assumptions.
Card OverviewWhat is AU Tejas Credit Card?
The AU Tejas is a VISA credit card offered by AU Bank, designed for users looking for consistent value. With a low joining and annual fee of INR 500, it provides an accessible entry point into the bank's ecosystem. The card focuses on high cashback and reward rates to maximize user savings. It is available to individuals meeting basic income and KYC criteria. This card balances affordability with strong earning potential.
Reward Point AnalysisRewards, redemption value, and fee recovery
The AU Tejas card offers a dual-value system with a 2% reward rate and a significant 10% cashback rate. This allows cardholders to accumulate value quickly across their spending categories. The high cashback percentage makes it a strong contender for daily transactions where immediate value is preferred over long-term point accumulation.
Reward Calculator
Estimate annual card value
Effective rate
1.96%
Annual Spend
₹12,00,000
Annual Rewards
₹24,000
Net Value
₹23,500
This estimate uses the headline reward rate and subtracts the annual fee. Actual value can change with excluded categories, reward caps, milestone benefits, taxes, and redemption partner selection.
Benefits BreakdownTravel, lifestyle, lounge, and international benefits
Key benefits include a 10% cashback rate and a 2% reward rate on eligible spends. Additionally, the card features a fuel surcharge waiver, reducing the cost of refueling. To qualify, applicants must have an annual income above 2 Lakhs, a valid KYC, and a positive credit history.
Fees & ChargesUnderstand every major cost before applying
Joining Fee
₹500
One-time onboarding cost charged by the issuer unless waived by an offer.
Annual Fee
₹500
Recurring fee; compare against rewards, vouchers, lounge usage, and renewal-waiver rules.
Forex Fee
3.49%
Markup on international transactions before taxes and network conversion effects.
Late Payment Charges
Issuer slab-based
Avoid carrying balances; late fees and interest can erase reward value quickly.
Interest Rate
Issuer terms apply
Credit-card interest is expensive and should not be used to finance routine spends.
EligibilityWho can apply and what documents are needed
21 – 60 Years
Standard applicant age criteria, subject to issuer policy.
₹2,00,000+ p.a.
Recommended minimum annual income for optimal approval odds.
Salaried & Self-Employed
Applicants require stable income with verifiable proof.
Indian Citizen / Resident
Must hold valid residential address and KYC documents.
750+ CIBIL Score
A strong repayment history improves underwriting outcomes.
PAN, Aadhaar & Income Proof
Required for identity and income check by the issuer.
Real World Use CasesAnnual value by user profile
Frequent Traveller
High airport usage makes lounge and travel benefits easier to monetize.
Corporate Executive
Large reimbursable or business-adjacent spends can amplify reward earning.
Luxury Lifestyle User
Dining, premium service, and travel comfort can justify a high-fee card.
Average User
Moderate spends need careful fee recovery and should avoid unused premium perks.
Is It Worth The Fee?Spend-level fee recovery analysis
The card becomes compelling when reward value plus actually used benefits exceed ₹500. The table below uses the stored reward rate and subtracts the annual fee, before any issuer taxes, exclusions, caps, or milestone bonuses.
Annual Spend
₹5,00,000
Estimated Rewards
₹10,000
Net Value (After Fee)
₹9,500
Annual Spend
₹10,00,000
Estimated Rewards
₹20,000
Net Value (After Fee)
₹19,500
Annual Spend
₹20,00,000
Estimated Rewards
₹40,000
Net Value (After Fee)
₹39,500
Annual Spend
₹30,00,000
Estimated Rewards
₹60,000
Net Value (After Fee)
₹59,500
Pros
- Impressive 10% cashback rate
- Competitive 2% reward rate
- Useful fuel surcharge waiver
- Low joining and annual fee of INR 500
- Accessible minimum income requirement
Cons
- Annual fee is applicable every year
- Requires a good credit history for approval
Who should get AU Tejas?
AU Tejas Credit Card is a strong fit for budget-conscious users seeking high cashback who can spend enough to recover the ₹500 annual fee through rewards and actual benefit usage, who value structured cashback on eligible spends, who redeem rewards thoughtfully and pay every statement balance in full. It works especially well as a primary card for structured reward planning, provided you align your spending with its strengths and check Au's latest terms before applying.
Who should avoid AU Tejas?
Avoid AU Tejas Credit Card if your monthly card spend is too low to recover the annual fee, if you prefer simple, no-fee cashback cards without tracking complex rules, if you make frequent international transactions and need a lower forex markup, if you may revolve balances, as interest and late fees can quickly erase any reward value. Even a premium card can deliver weak real value if you leave benefits unused or make poor redemption choices.
Competitor ComparisonAU Tejas vs cashback alternatives
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
| Card | Annual Fee | Reward Rate | Lounge Access | Ideal User |
|---|---|---|---|---|
| HDFC Swiggy BLCK | ₹1,000 | 4% | 4 | Cashback users |
| HSBC Cashback | ₹1,999 | 3% | 4 | Cashback users |
| HDFC Millennia | ₹1,000 | 4% | 4 | Reward users |
| Axis Flipkart | ₹500 | 3% | 0 | Reward users |
| HDFC Swiggy Ornge | ₹500 | 3% | 0 | Reward users |
Expert ReviewCraydit Expert Review
The AU Tejas is an excellent entry-level card due to its low fees and high cashback potential. While it lacks premium luxury features like unlimited lounge access or travel insurance, its core rewards and fuel benefits provide great utility for the everyday spender. It is a highly suitable choice for those prioritizing cashback over lifestyle perks.
Travel Rating
Rewards Rating
Lifestyle Rating
International Rating
User ReviewsUser Reviews & Ratings for AU Tejas
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FAQAU Tejas FAQs
Yes, particularly if you align with its latest terms. AU Tejas Credit Card is most suitable for budget-conscious users seeking high cashback. It remains worth considering if your regular spends match its reward categories. With recent reward restructuring across the industry, avoid judging it only by headline rates; focus on the current annual fee, updated exclusions, and realistic redemption value.
AU Tejas Credit Card has a listed annual fee of ₹500 and a joining fee of ₹500. Treat the card as worthwhile only if your yearly rewards, fee waivers, vouchers, and usable benefits can exceed this cost.
We recommend an annual income of around ₹2,00,000 for this card. In practice, approval also depends on bureau score, repayment history, existing credit limits, job or business stability, city, and Au's internal policy. A credit score above 750 generally improves approval chances.
AU Tejas Credit Card does not include airport lounge visits. If lounge access is important, compare it with travel or premium cards before applying.
We estimate AU Tejas Credit Card to have a 2% reward rate and 10% cashback potential. Actual earnings can be lower because banks often exclude rent, wallet loads, fuel, education, government payments, insurance, EMI transactions, or spends above monthly caps.
AU Tejas Credit Card has a listed forex markup of 3.49%. For frequent foreign spends, compare this markup with the reward value you earn back. A low-forex card may be better if you travel abroad often or pay for international subscriptions.