AU Tejas Credit Card
An everyday budget card focused on recurring app savings. It provides 10% instant discounts across routine urban platforms including Zomato food delivery, District movie tickets, Amazon Fresh groceries, ride-hailing services (Uber/Ola/Rapido), and AU 0101 utility bill payments.
Why We Recommend The AU Tejas Credit Card
A practical, low-fee everyday starter card from AU Bank that focuses on monthly micro-savings across popular urban lifestyle apps rather than complex travel points.
Entry-level users and young professionals looking for upfront discounts on daily delivery, grocery, cab, and movie apps.
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 Tejas 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 Tejas 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 Tejas 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 Tejas Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
10% instant off on Zomato food orders and District by Zomato movie tickets (up to ₹50/month each).
10% instant off on Amazon Fresh/Now grocery orders (up to ₹50/month).
10% cashback on cab services (Uber, Ola, Rapido) and AU 0101 utility bill payments (up to ₹50/month each).
500 bonus milestone Reward Points on completing 5 or more transactions of ₹500+ in a statement cycle.
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (up to ₹100/cycle).
Pros & Cons of the AU Tejas Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Welcome benefit (₹500 voucher or 2,000 points) completely recovers the initial joining fee.
- Broad utility savings across daily routine apps: cabs, movies, food delivery, and groceries.
- Achievable monthly milestone bonus (500 bonus points for 5 transactions).
- Available lifetime-free add-on cards for family members.
Things to Consider (Cons)
- Monthly 10% merchant discounts/cashbacks are capped at a low limit of ₹50 per category.
- No airport or railway lounge access included.
- Standard 3.49% forex markup fee applies to cross-border purchases.
- ₹99 + GST redemption convenience fee on reward point catalog claims.
Who Can Apply for the AU Tejas 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
700+ Score Recommended
Applicants with a credit score of 700 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 Tejas 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 Tejas Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.