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AU Kosmo Credit Card

The AU Kosmo Credit Card is a lifetime free credit card that has been launched by AU Small Finance Bank in partnership with Kiwi. The cardholders can link the credit card to the UPI apps. With this card, users can earn Kiwi rewards for their spending on UPI, online shopping, and POS transactions, and 1.5% cashback on Offline UPI spends using the Kiwi App. Premium users can get 5% cashback on every purchase.

Users can also enjoy benefits, including a 1% waiver on fuel charges for transactions between ₹400 and ₹5,000. There is also an Xpress EMI option, which allows you to split purchases of ₹500 or more into monthly payments.

AU Kosmo Credit Card

( 4.3 / 5 )
AU Kosmo Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForUPI
  • Reward TypeReward Points

Rewards Rate

1.5% Cashback on Offline Spends Using the Kiwi App. Premium Users Get 5% Cashback on Every Purchase. Kiwi Rewards on Credit Card Spends Made Through UPI Scan & Pay Using the Kiwi App.

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

1.5% Cashback on Offline Spends Using the Kiwi App. Premium Users Get 5% Cashback on Every Purchase. Kiwi Rewards on Credit Card Spends Made Through UPI Scan & Pay Using the Kiwi App.

Reward Redemption

1 kiwi = ₹0.25

Travel

N/A

Domestic Lounge Access

N/A

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

    3.49%

    Interest Rates

    3.75% per month (45% per annum)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver (Up to ₹100) for Transactions Between ₹400 and ₹5,000 at All Fuel Stations Across the Country

    Cash Advance Charges

    2.5%

    • This lifetime free credit card with no joining or annual fee.
    • Earn rewards on UPI, online shopping, and POS.
    • 1% fuel surcharge waiver (₹400–₹5,000 transactions, capped per cycle).
    • The card is available in both digital and physical forms.
    • Can convert eligible spend in EMI.

    Pros

    • The AU Kosmo Credit Card is a lifetime free credit card, and users can pay for their purchases in EMI using Xpress EMI.

    Cons

    • The card does not offer high-end benefits such as complimentary airport lounge access, travel insurance, and welcome benefits.

  • Rewards on UPI Spends

    If you have an AU Kosmo Credit Card, you can earn Kiwi rewards whenever you make certain types of purchases. This includes buying groceries, paying for fuel, dining out at restaurants, and using the Kiwi app. Basically, every time you spend money on these things with your credit card, you will receive Kiwi rewards.

    1 kiwi= ₹0.25 

    Cashback

    You can earn cashback using your Kiwi credit card for your everyday offline purchases. If you are a regular user of the card, you will get 1.5% of what you spend back. However, if you are a premium user, you can earn even more, 5% back on every purchase you make. The cashback will be easily transferred to your bank account.

    Xpress EMI

    You can turn your purchases into easy monthly payments with the Xpress EMI option If you spend ₹500 or more with your card, you can make your transaction eligible for conversion, as long as the total of your selected transactions is ₹2,000 or higher. Once you’re eligible, you can pay in monthly installments instead of paying the full amount upfront.

    Fuel Surcharge Waiver

    With the AU Kosmo Credit card, the cardholders will receive a 1% waiver on fuel surcharge, which will be up to ₹100, for transactions between ₹400 and ₹5,000 at fuel stations nationwide. This way, users can save their money on fuel.

    Bottom Line

    The AU Kosmo Credit Card is a great choice for beginners who want a lifetime free card with good benefits, and it can help them maintain their credit score. A major benefit of this card is that you can link it to UPI apps. Many people use UPI for groceries, fuel, dining, and small payments. With this card, you can pay easily and earn Kiwi rewards on your purchases. Each Kiwi is worth ₹0.25.

    This card also offers cashback. Regular users earn 1.5% cashback on offline UPI spends through the Kiwi app, while premium users can earn up to 5% cashback. This is great for those who use their card often, and the cashback goes directly to your bank account for convenience.

    The Xpress EMI option is helpful, too. If you buy something for ₹500 or more and your selected total reaches ₹2,000, you can turn those purchases into easy monthly payments.

    AU Kosmo Credit Card might be a good option for users who are new to credit card but for someone who wants high-end rewards with a credit card, this card might not be the one.

    FAQs:

    No, this is a lifetime free credit card, which means there are no joining or annual fees.

    Yes, one of the key features of this card is that it can be linked to UPI apps, allowing you to make UPI payments using your credit card.

    Kiwi rewards are reward points earned on eligible transactions such as groceries, fuel, dining, online shopping, POS transactions, and UPI spends. 1 Kiwi = ₹0.25

    Yes, cardholders get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle, at fuel stations across India.

    1 comment

    • Yashpreet

      2 months ago Reply

      I feel the AU Bank Kosmo Credit Card is a good entry-level premium card for salaried users who want decent cashback and offers.

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