AU Small Finance BankAU KOSMO Credit Card
Earn rewards and benefits with AU KOSMO Credit Card.
Top Category Performance
Beginner & Zero Fee (94/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1.5
Forex Markup
3.47%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
25/25
Lounge & Perks
8/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
AU KOSMO Credit Card Benefits
AU KOSMO Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.5%
Earn rate
₹0.25
Per point
AU KOSMO Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- Cash, rent, education, government, insurance, EMI, fuel, and BBPS transactions do not earn rewards
- Fuel surcharge waiver not applicable below ₹400 or above ₹5,000
- Fair usage charges apply on fuel and transportation spends above thresholds
Card Features
🎉 Zero Annual Fee — 100% Net Profit
AU KOSMO Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
AU KOSMO Credit Card Eligibility
Employment type
Pros & Cons
- Lifetime-free card with no annual fee
- Strong 1.5% cashback on eligible UPI Scan & Pay spends
- Useful for everyday QR-based merchant payments
- Supports credit-card UPI payments through RuPay
- Fuel surcharge waiver provides additional savings
- Contactless payments supported up to ₹5,000
- Good fit for frequent UPI users seeking a no-fee card
- Rewards can be tracked through the Kiwi app
- 1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends
- 3.49% foreign currency markup is high
- Monthly rewards capped at 1% of credit limit
- Several categories such as fuel, utilities, insurance and government payments are excluded from rewards
- ₹99 + GST fee applies on successful reward redemption
- Rewards are dependent on Kiwi's reward programme and eligible transaction rules
- 0.5% online reward rate is modest compared with dedicated cashback cards
- Xpress EMI carries a 1% processing fee, minimum ₹99 + GST
Quick Links
Data last updated 17 Aug 2026
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Calculate your exact earnings with AU KOSMO Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.