CheQ AU Credit Card
A fintech co-branded card built on the RuPay network in partnership with CheQ. Cardholders receive a 1-year EazyDiner Prime dining membership, 2.5% return on merchant UPI payments via the CheQ app, 12% on selected partner brands, and quarterly domestic airport lounge access.
Why We Recommend The CheQ AU Credit Card
A solid fintech co-brand that delivers good dining perks and UPI value at a low fee.
Urban diners and tech-savvy users who use CheQ for bill management.
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 CheQ AU 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 to ₹0.50 (redeemable for brand vouchers & bill discounts) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for CheQ AU 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 CheQ AU Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes CheQ AU Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Complimentary EazyDiner Prime dining membership with up to 50% off restaurant bills.
2.5% return on merchant UPI scan-and-pay transactions.
4 complimentary domestic airport lounge visits per year.
Pros & Cons of the CheQ AU Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Welcome EazyDiner Prime subscription offers strong dining value.
- Solid rewards rate for tech users using the CheQ ecosystem.
- Domestic airport lounge access included for a ₹499 card.
Things to Consider (Cons)
- Peak redemption value requires using the CheQ app catalog.
- CheQ Chips carry expiration deadlines.
- Standard 3.49% forex markup.
Who Can Apply for the CheQ AU 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
710+ Score Recommended
Applicants with a credit score of 710 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 CheQ AU 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 CheQ AU Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.