AU CA Metal Credit Card
An exclusive, Lifetime Free precision metal card developed for qualified members of the Institute of Chartered Accountants of India (ICAI). It features a subsidized 1.99% forex markup, 12 domestic airport lounges, 4 Priority Pass international lounge visits, and financial reimbursements on ICAI annual membership renewal fees.
Why We Recommend The AU CA Metal Credit Card
One of the best professional cards in the country: a true metal card with high lounge quotas and zero fees for CAs.
Chartered Accountants seeking a prestigious metal card with free airport lounge access and low forex fees.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU CA Metal Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU CA Metal Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU CA Metal Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
4 complimentary international lounge visits per calendar year via Priority Pass (max 1 per quarter)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU CA Metal Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Engraved premium metal card body offered Lifetime Free.
Subsidized 1.99% foreign exchange markup for international accounting forums.
Zero processing fee on converting transactions to Xpress EMI.
Pros & Cons of the AU CA Metal Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Rare Lifetime Free metal credit card in India.
- High domestic airport lounge allowance (12 visits per year).
- Exclusive financial support for professional ICAI certification renewals.
Things to Consider (Cons)
- Available exclusively to registered Chartered Accountants holding an active ICAI COP/number.
- Points capped on government tax and utility payment categories.
- High replacement fee if physical metal card is lost.
Who Can Apply for the AU CA Metal Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU CA Metal Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU CA Metal Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.