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

KOSMO

Best forGroceries & Dining
Earns0.5% online / 1.5% Scan & Pay RP/₹100 on groceries
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.

  • Best suited to spending on groceries and dining, where it earns 0.5% online / 1.5% Scan & Pay RP/₹100
  • No annual fee

How you earn

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

Groceries0.5% online / 1.5% Scan & Pay RP/₹100
Dining0.5% online / 1.5% Scan & Pay RP/₹100
Food Delivery0.5% online / 1.5% Scan & Pay RP/₹100
Shopping0.5% online / 1.5% Scan & Pay RP/₹100
Travel0.5% online / 1.5% Scan & Pay RP/₹100
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).
InsuranceNo reward——
Details
Status
Verified — no reward
Issuer note
AU KOSMO: Insurance explicitly excluded under Kiwi card policy.
UtilitiesNo reward——
Details
Status
Verified — no reward
Issuer note
AU KOSMO: Utilities explicitly excluded under Kiwi card policy.
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.
Groceries0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Groceries
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Groceries; monthly cap 1% of credit limit.
Dining0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Dining
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Dining; monthly cap 1% of credit limit.
Food Delivery0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Food Delivery
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Food Delivery; monthly cap 1% of credit limit.
Shopping0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Shopping
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Shopping; monthly cap 1% of credit limit.
Travel0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Travel
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Travel; monthly cap 1% of credit limit.
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.
Railways0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Railways
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Railways; monthly cap 1% of credit limit.
FASTag0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on FASTag
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on FASTag; monthly cap 1% of credit limit.
JewelleryNo reward——
Details
Status
Verified — no reward
Issuer note
AU KOSMO: Jewellery explicitly excluded under Kiwi card policy.
Telecom0.5% online / 1.5% Scan & Pay RP/₹10010,000 KIWI per monthAU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Telecom
Details
Status
Verified
Source
SRC-AU-KOSMO
Issuer note
AU KOSMO: 0.5% online, 1.5% Kiwi Scan & Pay on Telecom; monthly cap 1% of credit limit.

“—” 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 — 10,000 KIWI / month (shared cap — Multiple)

Key benefits

Rewards
0.5% online / 1.5% Scan & Pay RP/₹100 on groceries

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 10,000 KIWI / month (shared cap — Multiple)
  • No reward on: Rent, Education, Insurance, Utilities +3 more
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
  • 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 · 7 no-reward categories
Caps
  • Multiple — 10,000 KIWI / month (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — No reward.
  • Utilities — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
  • Jewellery — No reward.
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 — KOSMO Official Product Documentation · SRC-AU-KOSMO · 2026-09-23
KOSMOLifetime free