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AU CS Credit Card

The AU CS Credit Card is a lifetime-free credit card for Company Secretaries, offering a mix of professional, travel, and everyday benefits. Since there is no joining fee or annual membership fee, cardholders can continue enjoying its benefits without worrying about yearly charges. One of its key highlights is the 25% savings on the annual ICSI Membership Fee, which makes the card particularly useful for practicing and working Company Secretaries. It also rewards everyday spending with accelerated reward points on categories such as travel, dining, tax payments and software purchases.

Beyond professional expenses, the card comes with useful lifestyle and travel perks, including complimentary domestic airport lounge access, welcome rewards and a low forex markup of 1.99%. With benefits that cover both work-related and personal expenses, the AU CS Credit Card can be a practical choice for Company Secretaries who want to save on fees while getting more value from their regular spending.

AU CS Credit Card

( 4.5 / 5 )
AU CS Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForBusiness Expenses
  • Reward TypeReward Points

Rewards Rate

8 Reward Points Per ₹100 Spent on Dining, Travel, Tax Payments and Software Purchases; 2 Reward Points Per ₹100 Spent on Retail Categories; 1 Reward Point per ₹100 Spent on Utility, Telecom and Insurance Spends

Welcome Benefits

2000 Bonus Reward Points on Spending ₹5000 within 30 Days of Card Activation and SwiggyOne Quarterly Dining Membership on Spending ₹10,000 Within 30 Days of Card Activation

Movie & Dining

N/A

Rewards Rate

8 Reward Points Per ₹100 Spent on Dining, Travel, Tax Payments and Software Purchases; 2 Reward Points Per ₹100 Spent on Retail Categories; 1 Reward Point per ₹100 Spent on Utility, Telecom and Insurance Spends

Reward Redemption

Redeem Reward Points Against E-Vouchers, Merchandise, and Flight or Hotel Bookings

Travel

N/A

Domestic Lounge Access

2 Complimentary Domestic Lounge Visits Per Calendar Quarter

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    1.99%

    Interest Rates

    3.75%

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver Up to ₹250 for Transactions Between ₹400 and ₹5,000

    Cash Advance Charges

    2.5% or ₹500

    • The AU CS Credit Card is lifetime free.
    • Cardholders can save 25% on their annual ICSI Membership Fee.
    • The card offers up to 8 Reward Points for every ₹100 spent on select categories.
    • Cardholders get 2 complimentary domestic airport lounge visits per calendar quarter.
    • The card comes with a low foreign currency markup of 1.99%.
    • Cardholders can enjoy a 1% fuel surcharge waiver of up to ₹250 on eligible fuel transactions.
    • The card provides access to a 24/7 Global Concierge Assistance service.
    • Cardholders get an Air Accident Cover of ₹50 lakh.
    • The card provides a Credit Shield of up to ₹5 lakh.
    • Cardholders also get Purchase Protection of up to ₹25,000.

    Pros

    • The AU CS Credit Card is lifetime free, with no joining or annual fee, making it a cost-effective option for long-term use.
    • The credit card charges a 1.99% forex markup, helping you save on international transactions and overseas purchases.

    Cons

    • The 8X Reward Points category is capped at 5,000 Reward Points per statement cycle, limiting the value for high spenders.
    • The card only offers domestic lounge access, making it less suitable for frequent international travelers.

  • Welcome Benefits

    As a welcome benefit, AU CS Credit Card holders can earn 2,000 bonus Reward Points by spending ₹5,000 within 30 days of card activation. The Reward Points are automatically credited within three working days after meeting the spending requirement. Cardholders can also get a Swiggy One Quarterly Dining Membership by spending ₹10,000 within the first 30 days.

    ICSI Membership Renewal

    The AU CS Credit Card helps you save 25% on your annual ICSI Membership Fee. To enjoy the benefit, cardholders simply pay their ICSI annual membership fee using the AU CS Credit Card. Once the payment is successful, 25% of the eligible membership fee is credited back to their card account as cashback. This benefit is available only to primary cardholders and can be used once in a card anniversary year.

    Reward Rate

    • Earn 8 Reward Points for every ₹100 spent on dining, travel, tax payments, and software purchases. You can earn up to 5,000 Reward Points per statement cycle on these categories.
    • Earn 2 Reward Points for every ₹100 spent on retail purchases.
    • Earn 1 Reward Point for every ₹100 spent on utility bills, telecom payments, and insurance expenses. For utility and telecom spends, you can earn a maximum of 100 Reward Points per transaction.

    Exclusions

    These categories are eligible for Reward Points:

    • Cash
    • Rent
    • Education & Government
    • Transportation
    • EMI
    • Fuel
    • BBPS
    • Quasi-Cash Transactions

    Dedicated Concierge Service

    The Dedicated Concierge Service helps you plan and manage your travel, entertainment, and leisure needs with ease. Whether you need help booking a trip, planning a special anniversary dinner, or arranging other experiences, the Global Concierge Assistance team can take care of the details for you. The service is available 24/7, so you can get assistance whenever you need it.

    Airport Lounge

    Airport lounge access is one of the most valued travel benefits for frequent flyers. This perk lets you relax in a comfortable lounge before your flight at no additional cost. You can enjoy up to 2 complimentary domestic airport lounge visits per calendar quarter across India with your AU Credit Card.

    Comprehensive Protection Cover

    The AU CS Credit Card comes with a comprehensive protection cover to provide added financial security.

    • Cardholders get an Air Accident Cover of ₹50 lakh and a Credit Shield of up to ₹5 lakh.
    • The card also offers Purchase Protection of up to ₹25,000. In case the credit card is lost or stolen, the cardholder has zero liability for fraudulent transactions made after the loss is reported to the bank, along with protection against card counterfeiting, skimming, and online fraud.
    • Travel-related protection is also included, covering situations such as baggage loss or delay, flight delays, loss of passport, and plane hijacking, subject to applicable terms and conditions.

    Visa Exclusive Offers

    The AU CS Credit Card also comes with a range of exclusive Visa offers that add more value to your travel and lifestyle experiences.

    • With MakeMyTrip Benefits, users can get 2 complimentary domestic flight seats/bookings worth up to ₹350 and enjoy a flat 15% discount on select domestic hotels in the form of MyCash.
    • Cardholders also receive a complimentary annual Times Prime membership, which includes access to 20+ subscriptions and 40+ discount-based offers.
    • For stays, Alaya Stays brings exclusive offers across 200+ villas in popular Indian destinations, including a Stay 3, Pay for 2 benefit with 50% savings on the second night.

    Fuel Surcharge Waiver

    Cardholders can save on fuel expenses with a 1% fuel surcharge waiver of up to ₹250 on transactions between ₹400 and ₹5,000 at fuel stations across India.

    Bottom Line

    The AU CS Credit Card is a good choice for Company Secretaries, especially because it is lifetime free with no joining or annual fee. One of its biggest benefits is the 25% savings on the annual ICSI Membership Fee, which can help CS professionals save on their yearly expenses. The card also offers a good reward rate on dining, travel, tax payments, and software purchases.

    Apart from rewards, cardholders get 2 complimentary domestic lounge visits every calendar quarter, a low 1.99% forex markup, concierge services, protection covers, and several offers for the visa variant. The welcome benefits also add value for users who can meet the required spending limits within the first 30 days.

    There are some limitations. The accelerated Reward Points come with a monthly statement-cycle cap, and several categories do not earn any Reward Points. The card also does not offer international lounge access or golf benefits.

    Overall, the AU CS Credit Card offers good value for a lifetime-free card. It is best suited for Company Secretaries who can regularly use the ICSI membership benefit and accelerated reward categories. However, those looking for premium travel benefits or higher rewards across all types of spending may want to explore other options.

    FAQs:

    Primary cardholders can get 25% cashback on the eligible annual ICSI Membership Fee when it is paid using the AU CS Credit Card. This benefit can be used once in a card anniversary year.

    Reward Points can be redeemed for options such as e-vouchers, merchandise, flight bookings, and hotel bookings, subject to the bank’s redemption terms.

    Cardholders can get 2 complimentary domestic airport lounge visits per calendar quarter. The card does not offer complimentary international lounge access.

    The card charges a 1.99% foreign currency markup, making it relatively useful for international transactions.

    Cardholders can get a 1% fuel surcharge waiver of up to ₹250 on eligible fuel transactions between ₹400 and ₹5,000 at fuel stations across India.

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