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Tejas Credit Card

Tejas Credit Card

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

Annual Fee

₹500

Base Rate

1.0%

Reward Type

Points

Overview

The Tejas Credit Card is a Entry credit card issued by AU Small Finance Bank on the RuPay network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹500
Eligibility: Min. age 21 (salaried) or 25 (self-employed), stable income, CIBIL ≥ 700 recommended.

Reward Rates & Cashback Rules

  • CATEGORY – Travel: 5.0% cashback | via AU Rewardz ⚠️ Only for flights and hotels booked via AU Rewardz portal.
  • CATEGORY – Vouchers: 5.0% cashback | via AU Rewardz ⚠️ Only for vouchers purchased via AU Rewardz portal.
  • MERCHANT – Amazon Fresh: 10.0% cashback | monthly cap ₹50.0
  • MERCHANT – Zomato: 10.0% cashback | monthly cap ₹50.0 ⚠️ Requires promo code AUTEJAS10.
  • CATEGORY – Cab Services: 10.0% cashback | monthly cap ₹50.0 ⚠️ Valid on Uber, Ola, and Rapido.
  • MERCHANT – Zomato District: 10.0% cashback | monthly cap ₹50.0 ⚠️ For movie tickets booked via District by Zomato.
  • CATEGORY – Utilities: 10.0% cashback | monthly cap ₹50.0 | via AU 0101 App ⚠️ Only for bill payments made via the AU 0101 app.
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI Transactions: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: Choice of a ₹500 brand voucher or 2,000 Reward Points on completing the first transaction within 30 days of card issuance.
  • Monthly Milestone Benefit 🏆: Earn 500 bonus Reward Points on completing 5 transactions of ₹500 or more in a statement cycle.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle.
  • Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime-free add-on cards for family members.
  • Airport Lounge Access ✈️: This card does not offer complimentary airport lounge access.

Eligibility Criteria

Min. age 21 (salaried) or 25 (self-employed), stable income, CIBIL ≥ 700 recommended.

Features & Benefits

🎁

Welcome Benefit

Choice of a ₹500 brand voucher or 2,000 Reward Points on completing the first transaction within 30 days of card issuance.

🏆

Monthly Milestone Benefit

Earn 500 bonus Reward Points on completing 5 transactions of ₹500 or more in a statement cycle.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle.

👨‍👩‍👧‍👦

Add-on Cards

Up to 3 lifetime-free add-on cards for family members.

✈️

Airport Lounge Access

This card does not offer complimentary airport lounge access.

Cashback Engine Rules

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

Travel Via AU Rewardz
Reward: 5.0%
⚠️ Exceptions: Only for flights and hotels booked via AU Rewardz portal.
5%
Vouchers Via AU Rewardz
Reward: 5.0%
⚠️ Exceptions: Only for vouchers purchased via AU Rewardz portal.
5%
Amazon Fresh
Reward: 10.0% Monthly Cap: ₹50.0 Min Spend: ₹150.0
10%
Zomato
Reward: 10.0% Monthly Cap: ₹50.0 Min Spend: ₹150.0
⚠️ Exceptions: Requires promo code AUTEJAS10.
10%
Cab Services
Reward: 10.0% Monthly Cap: ₹50.0 Min Spend: ₹150.0
⚠️ Exceptions: Valid on Uber, Ola, and Rapido.
10%
Zomato District
Reward: 10.0% Monthly Cap: ₹50.0 Min Spend: ₹150.0
⚠️ Exceptions: For movie tickets booked via District by Zomato.
10%
Utilities Via AU 0101 App
Reward: 10.0% Monthly Cap: ₹50.0 Min Spend: ₹150.0
⚠️ Exceptions: Only for bill payments made via the AU 0101 app.
10%
Rent Exclusion
Fuel Exclusion
EMI Transactions Exclusion
Education Exclusion
Government Services Exclusion

Value Chart

Assuming basic spends for Tejas Credit Card

Category Tejas Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹500 ₹0 ₹0 ₹0
₹
Annual Fee 		₹500
Waived on spending ₹1,50,000 in the previous anniversary year.
 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 0.5% 1.0% 1.0%
★
Known Rules 		12 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Travel — 5.0% Points
  • + Vouchers — 5.0% Points
  • + Amazon Fresh — 10.0% Points (cap ₹50.0)
  • + Zomato — 10.0% Points (cap ₹50.0)
  • + Cab Services — 10.0% Points (cap ₹50.0)
  • + Welcome Benefit
  • + Monthly Milestone Benefit
  • + Fuel Surcharge Waiver
  • + Add-on Cards
✗

Cons

  • − No reward on Rent
  • − No reward on Fuel
  • − No reward on EMI Transactions
  • − No reward on Education
  • −Forex markup of 3.49% 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

₹500

Net Value

+₹2500

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

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% 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 annual fee is ₹500 + GST. This fee can be waived if you spend ₹1,50,000 or more in the previous card anniversary year.

You can get a 10% discount or cashback on Zomato, Amazon Fresh, select cab services, movies, and bill payments. Each category has a monthly cap of ₹50 and requires a minimum transaction of ₹150.

1 Reward Point is equal to ₹0.25. You earn 1 point for every ₹100 spent on most retail transactions.

No, the AU Tejas Credit Card does not provide complimentary airport lounge access.

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