India’s First LED Card
Your Visa card illuminates automatically with every POS transaction — India’s first LED-enabled credit card. A bold innovation in everyday payments.
Earn 12% Rewards
Get rewarded on spends across Amazon, Flipkart, Zomato, BigBasket, Apple Products powered by Unicorn (Online & In-Store), CheQ Travel (flights & hotels) & Utility Bills paid via the CheQ App.
Earn rewards on favourite categories
5% rewards on all other spends across Online Shopping, Travel, Food Delivery, Online Grocery covering 10,000+ brands.
One Currency. Endless Redemptions.
Simple rewards. Maximum flexibility.
2.5% rewards through CheQ UPI
Link your RuPay card to CheQ UPI and earn 5 CheQ points per INR 200.
Get 1% Fuel Surcharge Waiver
You get 1% fuel surcharge waiver up to ₹150 on fuel spends.
Contactless Payments
Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with a digitally added card on a POS machine
Quick links
Things to know
Eligibility
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Fees & Charges
Joining/Annual Fee: Lifetime free
* ₹999 + GST, A one-time fee applicable for LED Card only
Click here to view Key Fact Statement
*AU Small Finance Bank and CheQ have a revenue sharing agreement as co-branded partners.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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![Request cheque book]()
Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Questions? Answers.
Where can I apply, and how many cards will I receive?
You can apply from CheQ app for this card and you will get 2 cards - 1 Visa and 1 RuPay variant.
Is there a cap on monthly or annual rewards/cashback?
Yes, there is a cap on accelerated reward points, but not on base rewards.
Accelerated rewards:
You can earn up to 12,000 CheQ points per month on accelerated categories.
Base rewards:
There is no monthly or annual cap on base reward points.
This means you continue earning rewards on eligible spends even after you reach the accelerated rewards limit.
What is the validity of earned reward points?
Your reward points are valid for 2 years from the date they are credited into your CheQ account.
This gives you plenty of time to accumulate points and redeem them at your convenience, without any rush.
Earn now, redeem when it suits you.
I completed a transaction today, when will I receive my reward points / cashback?
Reward points or cashback are typically credited within 2–3 working days after the transaction is completed and settled.
Once credited, you can view them in the CheQ app under the Rewards section or in your transaction history.
Rewards are not applicable on certain transactions, such as:
- Fuel, education, or gold purchases
- Gambling or insurance payments
- Utility payments made outside the CheQ app
- Rent-related spends
- Transactions below ₹200
- EMI transactions
- UPI transactions made outside the CheQ app
Where can I check my reward points balance?
You can easily check your reward points balance directly in the CheQ app.
The app lets you:
- View your total reward points
- Track your earnings over time
- See rewards earned against each transaction
- Monitor rewards for both your Visa and RuPay cards
How do I close my credit card?
To permanently close your credit card, please contact AU Small Finance Bank customer support.
Before raising the request:
- Clear all outstanding dues
- Both cards (Visa and RuPay) must be closed together - partial closure isn’t supported
