◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

CA Metal

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 · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
InsuranceNot a good fit—AU CA Metal: 1 RP/₹100 on Insurance
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 1 RP/₹100 on Insurance; profession-gated (ICAI); 5,000 accelerated RP cap.
UtilitiesNot a good fit—AU CA Metal: 1 RP/₹100 on Utilities
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 1 RP/₹100 on Utilities; profession-gated (ICAI); 5,000 accelerated RP cap.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
GroceriesNot a good fit—AU CA Metal: 2 RP/₹100 on Groceries
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on Groceries; profession-gated (ICAI); 5,000 accelerated RP cap.
DiningNot a good fit—AU CA Metal: 8 RP/₹100 on Dining
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 8 RP/₹100 on Dining; profession-gated (ICAI); 5,000 accelerated RP cap.
Food DeliveryNot a good fit—AU CA Metal: 2 RP/₹100 on Food Delivery
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on Food Delivery; profession-gated (ICAI); 5,000 accelerated RP cap.
ShoppingNot a good fit—AU CA Metal: 2 RP/₹100 on Shopping
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on Shopping; profession-gated (ICAI); 5,000 accelerated RP cap.
TravelNot a good fit—AU CA Metal: 8 RP/₹100 on Travel
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 8 RP/₹100 on Travel; profession-gated (ICAI); 5,000 accelerated RP cap.
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.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
RailwaysNot a good fit—AU CA Metal: 2 RP/₹100 on Railways
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on Railways; profession-gated (ICAI); 5,000 accelerated RP cap.
FASTagNot a good fit—AU CA Metal: 2 RP/₹100 on FASTag
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on FASTag; profession-gated (ICAI); 5,000 accelerated RP cap.
JewelleryNot a good fit—AU CA Metal: 2 RP/₹100 on Jewellery
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 2 RP/₹100 on Jewellery; profession-gated (ICAI); 5,000 accelerated RP cap.
TelecomNot a good fit—AU CA Metal: 1 RP/₹100 on Telecom
Details
Status
Verified — not a good fit for this category
Source
SRC-AU-CA-METAL
Issuer note
AU CA Metal: 1 RP/₹100 on Telecom; profession-gated (ICAI); 5,000 accelerated RP cap.

“—” 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 — 5,000 RP / statement (shared cap — Multiple)

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 5,000 RP / statement (shared cap — Multiple)
  • No reward on: Rent, Education, Fuel, Wallet
  • Not recommended for: Insurance, Utilities, Groceries, Dining +7 more
  • Partially verified: Government

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 rent, education, insurance, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 15 no-reward categories
Caps
  • Multiple — 5,000 RP / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — Not a good fit. AU CA Metal: 1 RP/₹100 on Insurance.
  • Utilities — Not a good fit. AU CA Metal: 1 RP/₹100 on Utilities.
  • Fuel — No reward.
  • Groceries — Not a good fit. AU CA Metal: 2 RP/₹100 on Groceries.
  • Dining — Not a good fit. AU CA Metal: 8 RP/₹100 on Dining.
  • Food Delivery — Not a good fit. AU CA Metal: 2 RP/₹100 on Food Delivery.
  • Shopping — Not a good fit. AU CA Metal: 2 RP/₹100 on Shopping.
  • Travel — Not a good fit. AU CA Metal: 8 RP/₹100 on Travel.
  • Wallet — No reward.
  • Railways — Not a good fit. AU CA Metal: 2 RP/₹100 on Railways.
  • FASTag — Not a good fit. AU CA Metal: 2 RP/₹100 on FASTag.
  • Jewellery — Not a good fit. AU CA Metal: 2 RP/₹100 on Jewellery.
  • Telecom — Not a good fit. AU CA Metal: 1 RP/₹100 on Telecom.
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 · 5 areas

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

  • • Government — partially verified
  • • 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: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — CA Metal Official Product Documentation · SRC-AU-CA-METAL · 2026-09-23
CA MetalLifetime free