CheQ AU Credit Card

Welcome Benefits

As a welcome benefit, the cardholder will be given a complimentary EazyDiner membership for 3 months, which will be worth ₹695.

Reward Rate

• Users can earn 24 CheQ Points per ₹200 spent on brands like Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and utility bill Payments using the CheQ App.
• Earn 10 CheQ Points for every ₹200 spent on online shopping, food delivery, groceries, and travel reservations with top brands across India.
• Get rewarded while you make payments using UPI. Connect your RuPay credit card to CheQ UPI and earn 5 CheQ Points for every ₹200 spent on CheQ UPI transactions.
• Receive 2 CheQ Points per ₹ 200 on other spends.
• Cardholders have the option to exchange their points for gift cards from 40 top Indian brands or use them directly on CheQ Travel. This travel platform is exclusively available to CheQ AU Credit Card holders, making it easy to book flights and hotels directly within the app.
• Rewards can also be used against credit card and utility bill payments.

Reward Redemption

All rewards will be given as CheQ points. You can redeem these points for flights, hotel stays, gift cards from over 30 brands, or to reduce your credit card and utility bills using the CheQ App.

• If you redeem the CheQ Points against flight and hotel bookings, then the value of 2 CheQ Points will be ₹1.
• When redeemed for shopping across 30+ top brands, then the too the value of 2 CheQ Points will be ₹1.
• While redeeming the points for monthly bill payments, the value will be 4 CheQ Points = ₹1.

Exclusions

The following are the exclusion categories where customers will not earn any rewards:

• Wallet reloads
• Jewelry & Gold
• Rental payments/ Real estate
• Insurance
• Education
• Govt services
• Fuel
• Utilities

Fuel Surcharge Waiver

Users will benefit from a 1% fuel surcharge waiver on their fuel expenditures, allowing them to save up to ₹150.

Eligibility Criteria

Given below are the requirements to be eligible for the CheQ AU Credit Card:

• You must be over the age of 21 years.
• The monthly income requirement for both salaried and self-employed individuals should be ₹25,000.
• You should have a credit score of 750 or above.
• Your residency should be in an AU Bank serviceable area.

Bottom Line

The CheQ AU Credit Card looks like a fresh and slightly different option in the market, mainly because of its LED feature. It is a good option for people who spend a lot online, especially on platforms like Amazon, Flipkart, food delivery, and travel.

The reward system is decent, but the real value depends on how you redeem the points. If you use them for travel or shopping, the value is better, while using them for bill payments gives a lower return. The annual fee is reasonable for new credit card users and can be waived.

However, if you already hold an AU First Bank Credit Card, then you can not apply for this credit card, but if you don’t hold any AU card and you already use the CheQ app and spend a lot on online shopping, food, and travel, this card can be useful. The date to apply for the credit starts from April 28, 2026, and if you apply before May 31, 2026, then you don’t have to pay for the LED feature, so make sure you apply early.