Balanced value10.0
au / VISA
AU Tejas
Annual
₹500
Return
10%
Lounges
0
Forex
3.49%
Card summary
- AU Tejas leans cashback-first with ₹500 annual fee, 10% headline return potential, and 0 lounge access.
Pros
- Strong benefit ceiling if you recover the ₹500 annual fee.
- 10% cashback keeps value easy to understand.
- Simple everyday positioning without premium travel complexity.
Cons
- 3.49% forex markup can reduce overseas value.
- Eligibility still depends on bank policy and credit history.
- Travel benefits are limited compared with premium cards.
Best for
Monthly spenders who want visible cashback without chasing complex reward conversions.
Value profile
Balanced fee-to-benefit setup for regular card users.
