AU Tejas
AU Small Finance Bank · Checked 2026-10-09
AU Tejas is a paid card focused on shopping rewards, online spending and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
AU Tejas is a paid card focused on shopping rewards, online spending and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 reward points per ₹100 on eligible AU Rewardz purchases.
Trade-offs to understand
- 1 point per ₹100 on other eligible categories. Welcome benefit: 2,000 points or a ₹500 voucher with qualifying activation and first purchase.
- Selected merchant discounts/cashback are capped at ₹50 per category monthly; the advertised 10% rate is not unlimited cashback.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5 reward points per ₹100 on eligible au rewardz purchases valuable enough to clear the fee. Factor in this condition: 1 point per ₹100 on other eligible categories. Welcome benefit: 2,000 points or a ₹500 voucher with qualifying activation and first purchase.
Compare before deciding
- Flipkart Axis Bank SuperElite — A similarly priced alternative for comparing shopping rewards and reward points.
- HDFC Bank MoneyBack+ — A similarly priced alternative for comparing reward points and online spending.
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Benefits, limits and conditions
- 1 point per ₹100 on other eligible categories. Welcome benefit: 2,000 points or a ₹500 voucher with qualifying activation and first purchase.
- Selected merchant discounts/cashback are capped at ₹50 per category monthly; the advertised 10% rate is not unlimited cashback.
- 500 bonus points for at least 5 purchases of ₹500 or more in a statement cycle.