AU Kosmo Credit Card
A virtual-first RuPay credit card issued Lifetime Free for Gen-Z and digital spenders. It connects instantly to PhonePe, Google Pay, and Paytm, delivering up to 2% cashback on merchant UPI QR scan-and-pay transactions above ₹2,000 with instant in-app onboarding.
Why We Recommend The AU Kosmo Credit Card
AU’s zero-maintenance digital wallet companion tailored for small merchant UPI transactions.
UPI-heavy spenders looking for a dedicated, fee-free RuPay credit card for daily QR scans.
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 Kosmo 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: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Kosmo 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 Kosmo Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
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 AU Kosmo Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Purpose-built for linking to BHIM, Google Pay, PhonePe, and Paytm UPI.
Lifetime Free proposition targeted at digital-first Gen-Z consumers.
Instant digital card activation directly inside AU 0101 app.
Pros & Cons of the AU Kosmo Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero upfront or recurring charges (Lifetime Free).
- Earns real cashback on merchant UPI payments where debit cards earn nothing.
- Quick digital issuance and activation.
Things to Consider (Cons)
- No lounge privileges of any kind.
- P2P (peer-to-peer) money transfers do not yield cashback.
- Modest monthly cashback cap on UPI transactions.
Who Can Apply for the AU Kosmo 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
690+ Score Recommended
Applicants with a credit score of 690 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 Kosmo Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AU Bank
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AU Altura Plus Credit Card
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AU Business Cashback Credit Card
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Ready to Apply for the AU Kosmo Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.