AU Kosmo Credit Card

The AU Kosmo Credit Card is a lifetime free card

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.

You can apply for the highest rewards Credit Card, the AU KOSMO Credit Card, by applying through the Kiwi App. To download it, click here.

Yes, you will receive a physical AU KOSMO Credit Card at your registered address with the Bank. You can also access the digital card through digital channels such as AU 0101 mobile app, Chatbot, IVR, website, and the Kiwi App.

The AU KOSMO Credit Card is the best rewards Credit Card with no annual fee. Therefore, you will not be charged any joining or renewal fee.

Your AU KOSMO Credit Card will be linked to the Kiwi App once you click on the “Link Your Credit Card” option. Alternatively, you can also link your AU KOSMO Credit Card to other UPI apps by following the steps below:

• Download a UPI third-party application (e.g., BHIM, AU 0101) from the Play Store or App Store

• Verify your mobile number on the UPI application and complete registration

• After successful registration, select the option “Add Credit Card / Link Credit Card”

• Select the Credit Card issuer Bank (AU Small Finance Bank)

• Select your AU Small Finance Bank Credit Card to be linked

• Confirm the details displayed on the screen

• Proceed to generate a UPI PIN (if not already done)

Rewards earned on eligible spends during a statement cycle will be credited to your Kiwi

account on the date of your Credit Card statement generation. They will be visible through the Kiwi App.

Your reward balance will be available on the Kiwi App.

You can visit offers.aubank.in to claim your eligible offers.

To register your AU KOSMO Credit Card on a UPI application, your mobile number must be the same on both the Credit Card and the UPI app

Yes, you can convert eligible AU KOSMO Credit Card transactions to EMI if they meet the Bank’s eligibility criteria.

No. You must create a separate UPI PIN for your Credit Card to use for UPI transactions. This can be created when linking your RuPay Credit Card to any UPI app.

You can switch transaction types on/off, set transaction limits, and block/unblock your card through the AU 0101 or Kiwi mobile app.

Yes, you will need to re-link your AU KOSMO Credit Card with UPI apps if the card has been renewed or replaced.