Card Details
AU Tejas Credit Card
Monzy Score
6.5/ 10
Good for streaming and entertainment users.
Strong ~10% back in its core category.
Card Issuer
AU Small Finance Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Earn Points
10%
Cashback at partner merchants (movies, grocery, food delivery, cabs, bill payments)
5 RP/₹100
Reward Points on AU Rewardz portal (flights, hotels, vouchers, bill payments)
1 RP/₹100
Reward Points on all other spends
Benefits
10% cashback at partner merchants
5 RP/₹100 via AU Rewardz
1% fuel surcharge waiver
Annual fee waiver at ₹1.5L yearly spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, education, emi, government, cash, bbps, transportation, wallet
Estimated Returns
AU Rewardz portal spends
5 RP/100 via AU Rewardz portal.
₹375
all other spends
1 RP/100. Plus up to 10% instant discount at select merchants (not points).
₹0
Total Annual Return
₹4,500
1.25% Effective ROIWhat Users Are Saying
Community Feed
May 2026
“AU Bank Credit Cards New Launches: Ananta vs Lakshya”
by r/CreditCardsIndia, May 2026
“AU Bank just dropped 4 new Credit Cards. Here's the”
by r/Raw_n_real_finance, May 2026
“Rejected by AU Bank despite an 803 CIBIL and Premium”
by r/CreditCardsIndia, Jul 2026
“AU Bank is genuinely trash tier or probably even worse”
by r/IndianCreditCards, Apr 2026
“AU Bank New Credit Cards | Ananta, Lakshya, Tejas &”
by r/FinanceTalksIndia, Jul 2026
Things to Keep in Mind
Reward Points not earned on cash, rent, education & government, EMI, fuel, BBPS, transportation and quasi-cash transactions
Partner cashback capped at ₹50 per category, once per month, minimum transaction ₹150
Reward points are not awarded on excluded categories listed by issuer.
Annual fee waiver is linked to previous anniversary-year spend threshold.
