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.

Product Details

• 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.

Reward Rate

• Earn 1.5% cashback on every UPI Scan & Pay transaction made using your AU Kosmo Credit Card through eligible UPI payments.
• Get 0.5% cashback on all eligible online and offline purchases.

Benefits with Kiwi Neon Membership

Cahback

• Get 5% cashback on annual spends above ₹1.5 lakh.
• On UPI Scan & Pay transactions, users will receive 2% Cashback
• Receive 0.5% cashback on online payments.

Spend-Based Cashback and Airport Lounge Benefits

• 3% cashback on spends of ₹50,000 in a year and receive 1 complimentary airport lounge access.
• 4% cashback on spends of ₹1,00,000 in a year and receive 1 complimentary airport lounge access.
• 5% cashback on spends of ₹1,50,000 in a year and receive 1 complimentary airport lounge access.

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.