AU CA Metal Credit Card
- Updated On: 19 December, 2025
AU Bank has partnered with ICAI to introduce the AU CA Metal Credit Card, specifically curated for CAs. This card offers an exclusive discount on ICAI membership renewal. The cardholders do not have to pay any hefty joining fee or annual fee, as this is a lifetime free metal credit card. No annual or joining charges and a welcome bonus make this card more appealing; the cardholder will earn 2,000 bonus Reward Points on spending ₹5000 and a dining membership on spending ₹10,000 within 30 days of card activation.
Cardholders can earn accelerated reward points on business and personal spend. If the cardholder wants, they can avail themselves of a 25% discount on the renewal of their ICAI membership fee. In addition, the card also provides reward points on dining, travel, tax payments, and software purchases.
AU CA Metal Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
8 Reward Points on Every ₹100 Spend on Dining, Travel, Tax Payments, and Software Purchase, 2 Reward Points on Every ₹100 for Other Purchases, and 1 Reward Point on Every ₹100 Spend on Utility and Insurance
Welcome Benefits
Receive 2,000 Reward Points on Spending of ₹5,000 and a Dining Membership on Spending of ₹10,000 within 30 days of Card Activation
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
8 Reward Points on Every ₹100 Spend on Dining, Travel, Tax Payments, and Software Purchase, 2 Reward Points on Every ₹100 for Other Purchases, and 1 Reward Point on Every ₹100 Spend on Utility and Insurance
Reward Redemption
Redeem Your Reward Points At AU Rewardz
Travel
N/A
Domestic Lounge Access
2 Complimentary Lounge Access Per Calendar Quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Air Accident Cover
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.75% Monthly and 45% Annual
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver for Fuel Transactions Done Between ₹400 and ₹5,000 (up to ₹250)
Cash Advance Charges
2.5% Subject to a Minimum of ₹500
Product Details
- The CA Metal Credit Card is specially curated for Chartered Accountants to make their transaction smoother and more beneficial.
- Even though this is a metal credit card, which is usually expensive, this card does not have any joining or annual fees.
- The cardholders will receive 2,000 reward points on spending ₹5000 and a dining membership on spending ₹10,000 within 30 days of card activation as welcome benefits.
- The cardholders will earn 8 Reward Points on dining, travel, tax payments, and software purchases, 2 Reward Points on every ₹100 for other purchases, and 1 Reward Point on utility and Insurance spends.
Pros/Cons
Pros
- Even though this is a metal credit card, this card has no joining or annual fees.
- Cardholders can get 25% discount on renewing their ICAI membership fee, which is usually between ₹1,770 to over ₹8,260 (including GST) annually.
- New users receive welcome benefits, such as bonus reward points and a complimentary dining membership, upon meeting the initial spending requirement.
Cons
- Even though the card offers a low forex markup, it still does not provide access to international airport lounges.
Welcome Benefits
- Cardholders will receive 2,000 Bonus Reward Points when they spend ₹5,000 within 30 days of card activation.
- Individuals can also take advantage of a dining membership while spending ₹10,000 within 30 days of card activation.
Accelerated Reward Program
- The card offers 8 reward points on every ₹100 spent on dining, travel, tax payments, and software purchases.
- For every ₹100 spent on other purchases, the cardholder will get 2 reward points. And 1 reward point on every ₹100 spent on utility and insurance purchases.
- Reward earnings are capped at 100 reward points per transaction for utility and telecom spend and 5,000 reward points per statement cycle for dining, travel, tax payments, and software purchases.
Travel Benefits
- The cardholders will receive up to 2 complimentary domestic lounge access visits per calendar quarter in India by using their AU Credit Card.
- The card offers a low forex markup of 1.99% on all international transactions, which means this card is favourable for those who frequently make international transactions.
Comprehensive Protection Cover
This card offers comprehensive protection and coverage for cardholders. It provides air accident cover of ₹5,000,000 and credit shield of up to ₹500,000. In case your credit card is lost, you are not liable for any fraudulent transactions made after reporting the loss, and you are protected against card counterfeiting, skimming, and online fraud. Purchase Protection covers up to ₹25,000. Additionally, the card includes travel-related covers for situations such as baggage loss, baggage delay, flight delays, loss of a passport, and plane hijack.
Bottom Line
The AU CA Metal Credit Card is a special credit card made just for Chartered Accountants. It is free for life, so users do not have to pay any annual or joining fees. This card is designed to give Chartered Accountants a lot of value in both their professional and personal lives.
With this card, users can earn reward points whenever they spend on things like dining out, traveling, paying their taxes, or buying software. When users first get the card, they also receive welcome benefits. One unique feature is a 25% discount on renewing their ICAI membership, helping them save money on professional expenses.
The card also comes with extra benefits, including free access to airport lounges in India, a low markup fee for spending in foreign currencies, and strong insurance coverage for added peace of mind.
Overall, the AU CA Metal Credit Card is a great option for Chartered Accountants who want a premium card that supports their work needs and also offers useful perks for their personal life.
FAQs:
Is there any joining fee for the AU CA Metal Credit Card?
No, even though this is a metal card, there is no joining fee; it is absolutely free.
Can someone who is not a CA apply for this card?
No, this card is designed explicitly for Chartered Accountants.
How can I contact customer care regarding my AU CA Metal Credit card?
You can contact creditcard.support@aubank.in if you have any queries regarding the AU CA Metal Credit Card.
Are there any complementary access to the International lounge?
No, but you will get access to the domestic lounge per calendar quarter.
3 comments
geethakrishnan n
I have paid my CA membership renewal fee during April 26 through my bank account. I got my AU metal credit card in June 26.Can I claim 25% payback from AU?
Virag Shah
25% payback will be awarded as cash-back in statement within 60 working days of membership payment. I have received the same, can confirm.
Kartik Kanwar
Great