Basic Information

Card Details Card Name: AU KOSMO Credit Card; Bank Name: AU Small Finance Bank; Card Type: Credit Card; Network: RuPay

Payment Network Payment Network: rupay

Eligibility Age Criteria - Salaried: 21–60 years; Self-employed: 25–65 years; Add-on cardholder: 18+; Employment Type: Salaried / Self-employed; Residency: Indian resident

Rewards Program

Reward Points Reward Rate: Kiwi rewards on UPI, retail and online spends

Cashback Cashback Rate: 1.5% on UPI Scan & Pay; Online Cashback Rate: 0.5% on online spends

Travel Benefits

Airport Lounge Domestic Airport Lounge: Complimentary

Shopping Benefits

Online Shopping Online Shopping Benefit: 0.5% cashback on online spends

Offline Shopping Offline Shopping Benefit: Rewards on retail spends

EMI Offers Merchant EMI: Xpress EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% up to ₹100; Eligible Fuel Transaction: ₹400–₹5,000; Maximum: ₹100 per statement month

Dining & Entertainment

Dining Dining Rewards: Rewards on eligible dining transactions

Digital Features

Payments Contactless Payment (Tap & Pay): Yes; UPI on Credit Card: Yes; UPI App: Kiwi; Other UPI Apps: Supported

Banking Features Mobile Banking: Kiwi App

Add-on Features

Family Benefits Add-on Card: Available

EMI Features EMI Conversion: Xpress EMI

Fees & Charges

Joining Charges Joining Fee: Lifetime Free

Annual Charges Annual Fee: Lifetime Free; Annual Fee Waiver: Not applicable

Cash Advance Charges Cash Withdrawal Fee: 2.5% of withdrawal amount or ₹500, whichever is higher

EMI Charges EMI Facility: Xpress EMI; Eligibility: Transactions of ₹500 and above, with minimum total value ₹2,000

Performance & Ratings

Best Usage Best For: UPI Payments, Online Shopping, Everyday Spending, Fuel

Advantages Pros: Lifetime Free; UPI cashback; Online spending cashback; Fuel surcharge waiver; Contactless payments; Xpress EMI