◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 2/16 categories
AU

AU CS

Best forNot enough verified categories yet
EarnsSee reward categories below
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Rewards on this card depend on how or where you pay, so no single rate is shown here — see the category table and Full details → Specifications → Reward points for the verified terms.

All 16 reward categories · 2 of 16 categories verified
CategoryRateCapCondition
Rent——Research pending
Details
Status
Research pending
Issuer note
AU CS: Rent reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Education——Research pending
Details
Status
Research pending
Issuer note
AU CS: Education reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Insurance——Research pending
Details
Status
Research pending
Issuer note
AU CS: Insurance reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Utilities——Research pending
Details
Status
Research pending
Issuer note
AU CS: Utilities reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Fuel——Research pending
Details
Status
Research pending
Issuer note
AU CS: Fuel reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Groceries——Research pending
Details
Status
Research pending
Issuer note
AU CS: Groceries reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
DiningNot a good fit—AU CS confirmed: 8 RP/₹100 on Dining
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CS
Issuer note
AU CS confirmed: 8 RP/₹100 on Dining; profession-gated (ICSI); lower matrix and accelerated cap remain PENDING_PRIMARY.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
AU CS: Food Delivery reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Shopping——Research pending
Details
Status
Research pending
Issuer note
AU CS: Shopping reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
TravelNot a good fit—AU CS confirmed: 8 RP/₹100 on Travel
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CS
Issuer note
AU CS confirmed: 8 RP/₹100 on Travel; profession-gated (ICSI); lower matrix and accelerated cap remain PENDING_PRIMARY.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
Wallet——Research pending
Details
Status
Research pending
Issuer note
AU CS: Wallet reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Railways——Research pending
Details
Status
Research pending
Issuer note
AU CS: Railways reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
FASTag——Research pending
Details
Status
Research pending
Issuer note
AU CS: FASTag reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
AU CS: Jewellery reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.
Telecom——Research pending
Details
Status
Research pending
Issuer note
AU CS: Telecom reward rate unresolved. Primary evidence confirms 8X on Dining/Travel/Tax/Software only; do NOT fabricate lower matrix.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Multiple — 0 RP / statement (shared cap — Multiple)

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 0 RP / statement (shared cap — Multiple)
  • Not recommended for: Dining, Travel
  • Partially verified: Government
  • Research pending: Rent, Education, Insurance, Utilities +9 more — not counted

Who should consider this card

✓ Good fit if
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in dining, travel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 2 no-reward categories
Caps
  • Multiple — 0 RP / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Dining — Not a good fit. AU CS confirmed: 8 RP/₹100 on Dining.
  • Travel — Not a good fit. AU CS confirmed: 8 RP/₹100 on Travel.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 18 areas

18 areas need further verification. None of these are counted as zero.

  • • Rent — research pending
  • • Education — research pending
  • • Insurance — research pending
  • • Utilities — research pending
  • • Fuel — research pending
  • • Groceries — research pending
  • • Food Delivery — research pending
  • • Shopping — research pending
  • • Government — partially verified
  • • Wallet — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 2 of 16 categories verified · 14 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — AU CS Official Product Documentation · SRC-AU-CS · 2026-09-23
AU CSLifetime free