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CheQ AU Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Mid

Annual Fee

₹499

Base Rate

1.0%

Reward Type

Points

Overview

The CheQ AU Credit Card is a Mid credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.5).

Annual Fee: ₹499
Eligibility: Minimum monthly income of ₹25,000 and a CIBIL score of 750 or above.

Reward Rates & Cashback Rules

  • MERCHANT – Amazon: 12.0% cashback | monthly cap ₹6000.0 ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • MERCHANT – Flipkart: 12.0% cashback | monthly cap ₹6000.0 ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • MERCHANT – Zomato: 12.0% cashback | monthly cap ₹6000.0 ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • MERCHANT – BigBasket: 12.0% cashback | monthly cap ₹6000.0 ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • MERCHANT – Unicorn Store: 12.0% cashback | monthly cap ₹6000.0 ⚠️ Applies to Apple purchases via Unicorn stores. Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • CATEGORY – Utilities: 12.0% cashback | monthly cap ₹6000.0 | via CheQ app ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • MERCHANT – CheQ Travel: 12.0% cashback | monthly cap ₹6000.0 | via CheQ Travel ⚠️ Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • ALL_ONLINE: 5.0% cashback | monthly cap ₹6000.0 ⚠️ Applies to food delivery, groceries, and travel. Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
  • CATEGORY – UPI: 2.5% cashback | via CheQ app ⚠️ Only applies to UPI transactions made via the CheQ app using the RuPay variant.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: Complimentary 3-month EazyDiner membership worth ₹695 upon card activation.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
  • Insurance Cover 🛡️: Includes Air Accident Cover up to ₹50 Lakhs, Credit Shield up to ₹5 Lakhs, and Purchase Protection.
  • Dual Card 💳: Receive both a Visa card for global use and a RuPay card for UPI transactions with a single application.
  • LED Light-up Feature 💡: Unique LED-powered tap feature that lights up during contactless payments.

Eligibility Criteria

Minimum monthly income of ₹25,000 and a CIBIL score of 750 or above.

Features & Benefits

🎁

Welcome Benefit

Complimentary 3-month EazyDiner membership worth ₹695 upon card activation.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.

🛡️

Insurance Cover

Includes Air Accident Cover up to ₹50 Lakhs, Credit Shield up to ₹5 Lakhs, and Purchase Protection.

💳

Dual Card

Receive both a Visa card for global use and a RuPay card for UPI transactions with a single application.

💡

LED Light-up Feature

Unique LED-powered tap feature that lights up during contactless payments.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Amazon
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
Flipkart
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
Zomato
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
BigBasket
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
Unicorn Store
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Applies to Apple purchases via Unicorn stores. Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
Utilities Via CheQ app
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
CheQ Travel Via CheQ Travel
Reward: 12.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
12%
All Online Spends
Reward: 5.0% Monthly Cap: ₹6000.0 Min Spend: ₹200.0
⚠️ Exceptions: Applies to food delivery, groceries, and travel. Monthly cap of 12,000 CheQ Points is shared across all 12% and 5% reward categories.
5%
UPI Via CheQ app
Reward: 2.5% Min Spend: ₹200.0
⚠️ Exceptions: Only applies to UPI transactions made via the CheQ app using the RuPay variant.
2%
Fuel Exclusion
Rent Exclusion
EMI Exclusion
Wallet Load Exclusion

Value Chart

Assuming basic spends for CheQ AU Credit Card

Category CheQ AU Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹499 ₹0 ₹0 ₹0
₹
Annual Fee 		₹499
Waived on spending ₹3 Lakh or more in a card membership year.
 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 5.0% 5.0% 2.67%
★
Known Rules 		13 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Amazon — 12.0% Points (cap ₹6000.0)
  • + Flipkart — 12.0% Points (cap ₹6000.0)
  • + Zomato — 12.0% Points (cap ₹6000.0)
  • + BigBasket — 12.0% Points (cap ₹6000.0)
  • + Unicorn Store — 12.0% Points (cap ₹6000.0)
  • + Welcome Benefit
  • + Fuel Surcharge Waiver
  • + Insurance Cover
  • + Dual Card
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on EMI
  • − No reward on Wallet Load
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹499

Net Value

+₹2501

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The card has a joining and annual fee of ₹499 + GST. The annual fee can be waived by spending ₹3 Lakh or more in a card membership year.

The value varies. 1 CheQ Point is worth ₹0.50 (2 points = ₹1) for travel and voucher redemptions. For bill payments, it's worth ₹0.25 (4 points = ₹1).

The 12% reward rate (equivalent to 12 points per ₹100) is earned on select merchants like Amazon, Flipkart, Zomato, BigBasket, and on utility bills and travel bookings made via the CheQ app.

Yes, the accelerated rewards (12% and 5% categories) are collectively capped at 12,000 CheQ Points per month, which is equivalent to ₹6,000 in value. The base 1% reward rate does not have a specified cap.

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