AU Business Cashback Credit Card 2026: Benefits, Cashback, Fees, Eligibility & How to Apply

The AU Business Cashback Credit Card helps business owners and experts seeking an easy-to-use credit card with cashback benefits. The card does not have any of the too detailed categories of rewards and gives a simple 1% cashback on the month end total due amount, subject to the terms and conditions.

Up to ₹1,000 cashback for cardholders per month. The card comes with 8 free railway lounge visits, ₹2 lakh business insurance cover and a free fuel surcharge on eligible transactions.

The card has a zero joining fee and will cost users ₹99 per month, which can be considered by those who require a basic business credit card with cashback and travel benefits.

AU Business Cashback Credit Card Highlights

Feature	Details
Cashback Rate	1%
Maximum Cashback	₹1,000 per month
Railway Lounge Access	8 complimentary visits
Business Insurance	₹2 lakh
Joining Fee	₹0
Monthly Fee	₹99
Fuel Surcharge Waiver	1% on eligible fuel transactions
Maximum Fuel Benefit	₹200 per statement cycle
Interest Rate	3.49% per month
Minimum Age	Above 25 years
Residence	AU Bank serviceable area

AU Business Cashback Credit Card Cashback Benefits

The main feature of the card is its simple cashback structure.

Cardholders can receive 1% cashback on the payment of the total due amount at the end of the month.

The maximum cashback is capped at:

₹1,000 per month

Cashback Example

Suppose your eligible total due amount is ₹50,000 and you pay the total due amount at the end of the month.

At a 1% cashback rate:

₹50,000 × 1% = ₹500 cashback

Similarly, if the eligible amount is ₹1,00,000:

₹1,00,000 × 1% = ₹1,000 cashback

Since the monthly cashback is capped at ₹1,000, spending above this level does not increase the cashback beyond the stated monthly limit.

AU Business Cashback Credit Card Railway Lounge Benefits

The card offers 8 complimentary railway lounge visits.

This benefit can be useful for business owners and professionals who frequently travel by train for meetings, work, or business-related trips.

Railway lounge access can provide a more comfortable waiting experience during eligible journeys, subject to the applicable terms and lounge access conditions.

AU Business Cashback Credit Card Business Insurance

Cardholders can get free business insurance cover of ₹2 lakh.

This additional insurance benefit can provide financial protection for eligible business-related situations, subject to the policy terms, conditions, exclusions, and eligibility requirements.

Before relying on the insurance benefit, cardholders should review the applicable policy details.

AU Business Cashback Credit Card Fuel Surcharge Waiver

The card provides a 1% fuel surcharge waiver on eligible fuel transactions.

The waiver applies to fuel transactions between:

₹400 and ₹5,000

The maximum cashback/benefit under the fuel surcharge waiver is:

₹200 per statement cycle

This can be useful for professionals and business owners who regularly spend on fuel for commuting or business travel.

AU Business Cashback Credit Card Monthly Fee Waiver

The card has a monthly fee of ₹99.

However, the monthly fee can be waived when the cardholder meets the applicable spending requirement of ₹10,000 or more, according to the information provided.

This means regular users who meet the required spending threshold may be able to avoid the monthly fee.

Cardholders should check the latest terms to confirm the exact fee-waiver calculation and qualifying transactions.

AU Business Cashback Credit Card Fees and Charges

Fee	Charges
Joining Fee	₹0
Monthly Fee	₹99
Cash Advance Fee	2.5%, minimum ₹100
Interest Rate	3.49% per month
Annualised Interest Rate	41.88%
Late Payment Fee	15% of due amount, subject to applicable limits
Foreign Currency Transaction Fee	3.49%
Other Fees	None stated

Joining Fee

There's no joining fee for the AU Business Cashback Credit Card.

Monthly Fee

The card has a monthly ₹99 fee, which can be waived off based on the required spending.

Cash Advance Fee

The amount of cash advance fee is 2.5% of the amount withdrawn, which has been set at a minimum of ₹100.

Interest Rate

This interest rate is 3.49% monthly or 41.88% for a year.

If it is not paid in full and on time, then interest charges may be incurred as a result of carrying over an unpaid balance.

Late Payment Fee

The late payment fee is 15% of the due amount, ranging from ₹0 to ₹1,300, depending on the outstanding amount.

AU Business Cashback Credit Card Eligibility

These are the basic eligibility criteria that are provided for the card:

• Applicant's age should be more than 25 years.

• The applicant should be living in an area that's covered by AU Bank's services.

The bank might look into other factors like income, credit history, employment, business profile or internal criteria before accepting the application.

Fulfilling basic eligibility criteria does not ensure approval.

Documents Required for AU Business Cashback Credit Card

Applicants may be required to submit documents for identity and application verification.

Common documents include:

• PAN Card

• Recent passport-size photograph

• Address details

• Employment or business details

• Income-related information

The bank might look into other factors like income, credit history, employment or business profile or internal criteria before accepting the application.

How to Apply for AU Business Cashback Credit Card Online

You can apply for the AU Business Cashback Credit Card online by following these steps:

Step 1: Visit the AU Bank Website

Now log on to the AU Bank website and click on the Apply for Credit Card option.

Step 2: Select the Card

Select the AU Business Cashback Credit Card from the list of credit cards.

Step 3: Enter Your Details

Provide your:

• Name

• Address

• Contact details

• Personal information

Step 4: Provide Employment or Business Details

Enter your employment, business, and income-related information as requested.

Step 5: Upload Documents

Upload your PAN Card, recent photo, and all other necessary documents.

Step 6: Review and Submit

Please read the Terms and Conditions, check the information and fill in the application.

Step 7: Complete Verification

Please be aware that an AU Bank representative may call to confirm the information and to finish the application process.

AU Business Cashback Credit Card Pros and Cons

Pros

• 1% Cashback of Eligible Total due payment.

• Up to ₹1,000 Cashback per month

• Zero joining fee

• 8 free train station lounge tickets!8 free train station lounge visits!

• Minimum of ₹2 lakh business insurance cover

• Customers can get the fuel surcharge waived on eligible transactions.

• Monthly fee waiver available upon meeting the spending condition

• Useful for business owners and professionals

  
  

Cons

• No more than ₹1000 cashback a month.

• No monthly fee if the waiver condition is not fulfilled; otherwise, it will be ₹99 per month.

• High interest rate of 349 p.a. (3.49 per month)

• Foreign Currency transaction fee (FCTF) is 3.49%

• Conditions may apply for railway lounge benefit.

• The applicant should be over 25 years old.

Is AU Business Cashback Credit Card Worth It?

For those who like a straightforward cashback approach rather than points for specific categories, the AU Business Cashback Credit Card might be an appropriate choice.

The 1% cashback and a limit of ₹1,000 per month, access to railway lounges and business insurance, and the waiver of the fuel surcharge are all getting and giving benefits.

For business owners and professionals who can afford the monthly fee waiver requirement, the card can be very beneficial. But customers need to check out the cashback amount of ₹1000 and the monthly cost before applying.

The card can offer beneficial savings if you have a high monthly eligible spending figure and are consistently hitting the cashback limit. Meanwhile, paying the full principal in full and on time matters, since the quoted rate of interest is rather high.

How to Maximise AU Business Cashback Credit Card Benefits

1. Pay the Total Due Amount

As the cashback feature is attached to the total due amount, paying the total amount on time can help you avail the cashback feature to the best.

2. Track the ₹1,000 Cashback Cap

The maximum cashback amount is ₹1,000 per month, so ensure that you are keeping track of your monthly eligible spending and monthly cashback.

3. Meet the Monthly Fee Waiver Requirement

Spend the required amount of ₹10,000 as applicable to get the monthly fee waiver.

4. Use the Railway Lounge Benefit

If you often work on the train, you can avail of these 8 free railway lounge visits.

5. Use the Fuel Surcharge Waiver

With the card, get the fuel surcharge waiver, subject to a cap of ₹200 per month per statement cycle, for eligible fuel transactions between ₹400 and ₹5,000.

Conclusion

The AU Business Cashback Credit Card 2026 is an easy-to-use card for business owners and professionals seeking to earn cashback rewards without dealing with complex reward categories. The card offers 1% cashback on its purchases up to ₹1,000 per month, 8 visits to the railway lunchroom, ₹2 lakh cover for business insurance and a waiver of the fuel surcharge.

The no-cost joining fee of no cost is another plus, and the monthly cost of ₹99 can be eliminated if the required spending amount is fulfilled.

In summary, while the card may not be ideal for everyone, it could be worth considering if it fits your spending habits and you can benefit from the cashback and fee-waiver rewards. Please read the most recent AU Bank Terms, eligible transactions, fee waiver conditions, cashback conditions and lounge conditions before applying.