Overview
The AU CA Metal Credit Card is a Premium credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).
Annual Fee: Lifetime Free
Eligibility: Exclusively for Chartered Accountants (salaried or self-employed), age 21-75. CIBIL score > 700 recommended.
Reward Rates & Cashback Rules
- CATEGORY – Dining: 8.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 Reward Points is shared across Dining, Travel, Tax, and Software spends.
- CATEGORY – Travel: 8.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 Reward Points is shared across Dining, Travel, Tax, and Software spends.
- CATEGORY – Tax: 8.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 Reward Points is shared across Dining, Travel, Tax, and Software spends.
- CATEGORY – Software: 8.0% cashback | monthly cap ₹1250.0 ⚠️ Monthly cap of 5,000 Reward Points is shared across Dining, Travel, Tax, and Software spends.
- CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn)
- CATEGORY – Telecom: 1.0% cashback (capped ₹25.0/txn)
- CATEGORY – Insurance: 1.0% cashback
- CATEGORY – Fuel: 0.0% cashback
- CATEGORY – Rent: 0.0% cashback
- CATEGORY – Education: 0.0% cashback
- CATEGORY – Government: 0.0% cashback
- CATEGORY – EMI: 0.0% cashback
Key Features & Benefits
- Welcome Bonus 🎁: 2,000 bonus Reward Points on spending ₹5,000 within the first 30 days of card activation.
- Swiggy One Membership 🍔: Complimentary Swiggy One quarterly dining membership on spending ₹10,000 within the first 30 days.
- Airport Lounge Access ✈️: Up to 2 complimentary domestic airport lounge visits per calendar quarter.
- Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
- ICAI Membership Discount 💰: 25% discount on the renewal of the annual ICAI membership fee.
- Concierge Services 🛎️: Global concierge services for travel and entertainment assistance.