AU Tejas Credit Card: Turn Everyday Expenses into the Most Rewarding Experiences

Smart spending is not just about what you buy — it is about what you get back every time you do. The AU Tejas Credit Card is built on this principle, with its promise to help you "Maximise your savings and rewards with each spend." Whether it is accelerated reward points, cashback on your favourite categories, instant rewards on activation, or discounts that genuinely matter — this AU Credit Card delivers consistent, meaningful value on every transaction.

If you are looking for a credit card that works hard across shopping, dining, travel, and everyday spending — all while keeping your savings front and centre — the AU Tejas Credit Card is the card for you.

What Is the AU Tejas Credit Card?

The Tejas Credit Card is a rewards and cashback AU Credit Card from AU Small Finance Bank — one of India's fastest-growing and most trusted scheduled commercial banks, regulated by the Reserve Bank of India. Designed for individuals who want to maximise savings on every category of spending, this AU Credit Card combines accelerated rewards, category cashback, milestone bonuses, and smart payment features into one powerful package.

Who Is the AU Tejas Credit Card For?

The AU Tejas Credit Card is the ideal choice for:

• Salaried professionals within eligible age criteria who want strong rewards on everyday spending
• Self-employed individuals within defined age criteria looking for a rewarding mid-tier card
• Frequent shoppers who spend regularly on groceries, movies, and food delivery
• Cab users who want savings on ride-hailing platform spends
• Reward maximisers who want a card that rewards them from the very first transaction
• Families who want to extend credit card benefits to loved ones through lifetime-free add-on cards

Key Features and Benefits of the AU Tejas Credit Card

1. Welcome Benefits — Bonus Reward Points or Brand Voucher on Activation

The AU Tejas Credit Card welcomes you with a strong start. On card activation, you receive bonus reward points or a curated brand voucher — giving you instant value the moment you activate your AU Credit Card.

2. Accelerated Rewards — High Reward Earning on Spends

The AU Tejas Credit Card offers accelerated reward points on eligible transactions. This enhanced rewards structure ensures that your everyday spending consistently builds a strong pool of points redeemable through AU Small Finance Bank's loyalty programme.

3. Discounts That Matter — Cashback at Partner Merchants

One of the standout benefits of this AU Credit Card is the cashback on spends at partner merchants — specifically covering categories that matter most in daily life:

• Movies
• Grocery
• Food Delivery
• Ride-hailing services & BBPS (Bharat Bill Payment System)

These are some of the most frequent spending categories for modern consumers, making the AU Tejas Credit Card a genuinely practical savings tool for everyday use.

4. Reward Programme Benefits

The AU Tejas Credit Card earns reward points through the bank’s loyalty programme — enabling you to redeem your points for a wide range of benefits including vouchers, merchandise, travel bookings, and more.

5. Fuel Surcharge Waiver

Save every time you fill up with a fuel surcharge waiver on eligible fuel spends across petrol stations in India. A consistent, practical saving that adds up meaningfully over time.

6. Flexible EMI Conversion

Large purchases become manageable with the EMI conversion facility. Convert eligible transactions into easy monthly instalments with flexible terms, making it easier to manage high-value expenses without straining your budget.

7. Contactless Payments

Make quick, secure payments with seamless tap-and-pay functionality within permitted limits. Fast, safe, and effortless — every single time you use your AU Credit Card.

8. AU Rewardz — Redeem Points for Valuable Benefits

All Reward Points earned on the AU Tejas Credit Card are part of the loyalty rewards programme. Redeem your accumulated points for an exciting range of options — vouchers, merchandise, travel, and much more — through the AU Small Finance Bank platform or mobile app.

9. Add-on Cards — Lifetime Free

Share the benefits of this AU Credit Card with your family members through lifetime-free add-on cards. Your loved ones can enjoy the same rewards, cashback, and payment features at no additional cost.

Fees and Charges

Fee TypeDetailsAnnual Card Membership FeeRs. 500 annual fee plus applicable taxesAnnual Fee Waiver (2nd year onwards)Waived upon achieving defined retail spend criteria in the previous card anniversary year

The AU Tejas Credit Card carries a nominal annual fee plus applicable taxes — a modest cost for the level of rewards and cashback it delivers. From the second year onwards, this fee is waived upon meeting defined retail spend criteria, making it highly cost-effective for regular users.

Eligibility Criteria

Primary Cardholder:

• Self-employed individuals within defined age criteria
• Salaried individuals within eligible age criteria

Add-on Cardholder:

• Should be above 18 years

Residency: Resident Indian

These criteria are indicative. AU Small Finance Bank reserves the right to approve or decline applications for this AU Credit Card.

Complete Benefits at a Glance

FeatureDetailsWelcome BenefitBonus reward points or brand voucher on card activationAccelerated RewardsHigher reward earning on eligible spendsCashbackCashback and Discount at partner merchants across key everyday categoriesRewards ProgrammeRedeem points for vouchers, travel, merchandise & moreFuel Surcharge WaiverWaiver on eligible fuel spends across IndiaEMI ConversionFlexible EMI options on eligible transactionsContactless PaymentsSeamless tap-and-pay transactionsAdd-on CardsLifetime-free for family membersAnnual FeeRs. 500 annual fee plus applicable taxesFee Waiver (2nd year+)Waived on achieving defined annual spend criteria

How to Apply for the AU Tejas Credit Card

Step 1: Check Your Eligibility

Confirm you meet the age and residency requirements applicable for this AU Credit Card.

Step 2: Apply Online

Visit the official AU Small Finance Bank website and click Apply Now for the Tejas Credit Card. You can also apply through the AU 0101 mobile banking app.

Step 3: Submit KYC Documents

Keep your documents ready — identity proof, address proof, PAN card, and income proof (salary slips, bank statements, or ITR as applicable).

Step 4: Verification and Approval

AU Small Finance Bank will review your application and credit profile and notify you via SMS or email.

Step 5: Activate and Start Earning

Once your AU Credit Card is delivered, activate it through the AU 0101 mobile app or by contacting customer care — and start earning your welcome benefits.

Smart Tips to Maximise the AU Tejas Credit Card

Complete Initial Transactions Early

Unlock early usage bonus rewards by completing your initial transactions soon after activation.

Route Everyday Spending Through the Card

Use your AU Credit Card for key categories like groceries, entertainment, food delivery, and ride-hailing to maximise cashback and rewards.

Use Contactless Payments Frequently

Tap your AU Credit Card or mobile device for eligible transactions to make payments faster while continuing to earn rewards.

Use the Card for Fuel Transactions

Make fuel payments using your AU Credit Card to benefit from surcharge waivers and maximise savings over time.

Convert Large Purchases to EMI

Use the EMI conversion facility for eligible purchases to manage expenses efficiently with minimal additional cost.

Meet Spend Criteria to Waive Annual Fee

Achieving defined annual spend thresholds can waive the annual fee from the second year onwards, making the card more cost-effective.

Pay Your Full Outstanding Balance Every Month

Always clear your full bill by the due date to avoid high interest charges and ensure all your rewards and cashback remain genuine savings.

Frequently Asked Questions (FAQs)

Q1. What are the welcome benefits on the AU Tejas Credit Card?
On card activation, you receive bonus reward points or a brand voucher as your welcome benefit.

Q2. How many Reward Points do I earn on the Tejas Credit Card?
You earn accelerated reward points on eligible transactions, along with rewards on other spends as per the bank’s programme structure.

Q2. What cashback do I get on partner merchant spends?
The AU Tejas Credit Card offers cashback at partner merchants across key everyday categories such as movies, groceries, food delivery, and ride-hailing services.

Q2. Is there a fuel surcharge waiver?
Yes, the card provides a fuel surcharge waiver on eligible fuel transactions across India.

Q2. What is the EMI conversion benefit?
You can convert eligible transactions into easy monthly instalments, helping you manage larger purchases efficiently.

Q2. What is the annual fee for the AU Tejas Credit Card?
The card comes with a nominal annual fee plus applicable taxes, which can be waived upon meeting defined spend criteria.

Q2. Are add-on cards available on the Tejas Credit Card?
Yes, lifetime-free add-on cards are available for family members above 18 years of age.

Q2. Who is eligible to apply for the AU Tejas Credit Card?
Salaried and self-employed individuals within defined age criteria who are resident Indians can apply. Add-on cardholders must be above 18 years of age.

Q2. How do I redeem my Reward Points earned on the Tejas Credit Card?
Reward Points can be redeemed through the bank’s loyalty rewards programme for vouchers, merchandise, travel bookings, and more.

Conclusion

The AU Tejas Credit Card is a sharp, well-rounded AU Credit Card that delivers real value across the categories that matter most in daily life. With strong welcome benefits, accelerated earning potential, cashback across essential spending categories, fuel surcharge waivers, flexible EMI options, contactless payments, and lifetime-free add-on cards — this AU Credit Card truly helps maximise your savings and rewards with every spend.

Backed by the credibility and customer-first approach of AU Small Finance Bank, the AU Tejas Credit Card is a smart, rewarding companion for the modern spender.

Apply for the AU Tejas Credit Card today — and start maximising your savings and rewards from day one.

Disclaimer: All features, fees, eligibility criteria, and benefit details mentioned in this blog are based on information published by AU Small Finance Bank and are subject to change at the sole discretion of AU Small Finance Bank. Please refer to the official website or contact customer care for the most current and accurate information before applying. Cashback and reward point earning and redemption are subject to programme terms and conditions.