AU CA Metal Credit Card 2026: Benefits, Cashback, Fees, & Eligibility

The AU CA Metal Credit Card is a premium lifetime-free credit card designed specifically for Chartered Accountants (CAs). The card offers attractive rewards on dining, travel, tax payments, software purchases, and business expenses, making it particularly useful for professionals who regularly spend on business-related categories.

One of the key highlights of the card is its 2% cashback rate on dining, travel, tax payments, and software purchases, along with a 0.5% cashback rate on other purchases. Cardholders also receive premium benefits such as domestic airport lounge access, complimentary insurance coverage, concierge service, and a low foreign currency markup.

In this detailed guide, we will cover the AU CA Metal Credit Card benefits, reward points, cashback, charges, eligibility criteria, documents required, and application process.

AU CA Metal Credit Card Highlights

Feature	Details
Card Type	Premium Credit Card
Designed For	Chartered Accountants
Joining Fee	₹0
Annual Fee	₹0
Reward Point Value	₹0.25
Dining/Travel/Tax/Software Rewards	8 Reward Points per ₹100
Cashback Rate	Up to 2%
Other Purchases	2 Reward Points per ₹100
Other Purchases Cashback	0.5%
Utility & Insurance	1 Reward Point per ₹100
Utility & Insurance Cashback	0.25%
Forex Markup	1.99%
Domestic Lounge Access	2 visits per quarter
ICAI Membership Fee Benefit	25% cashback
Air Accident Cover	₹50 lakh
Credit Shield Cover	₹5 lakh
Purchase Protection	₹25,000
Fuel Surcharge	1%, waived on eligible transactions
Lifetime Free	Yes

AU CA Metal Credit Card Benefits

The AU CA Metal Credit Card comes with several rewards and premium benefits that can be useful for Chartered Accountants and business professionals.

1. Earn 2% Cashback on Dining, Travel, Tax and Software Spending

One of the biggest advantages of the AU CA Metal Credit Card is the reward rate on selected categories.

Cardholders earn 8 reward points for every ₹100 spent on:

• Dining

• Travel

• Tax payments

• Software purchases

Since each reward point is valued at ₹0.25, 8 reward points are worth ₹2.

This effectively gives a 2% cashback value on eligible dining, travel, tax, and software purchases.

For example, if you spend ₹10,000 on eligible transactions:

₹10,000 × 2% = ₹200 cashback value

This feature can be especially useful for CAs who have regular professional expenses related to software subscriptions, travel, and tax payments.

2. 0.5% Cashback on Other Purchases

The card also provides rewards on other eligible purchases.

Cardholders earn 2 reward points per ₹100 spent on other purchases.

With each reward point valued at ₹0.25:

2 × ₹0.25 = ₹0.50

Therefore, the effective cashback value is 0.5%.

For example, spending ₹20,000 on eligible other purchases can provide:

₹20,000 × 0.5% = ₹100 cashback value

3. 0.25% Cashback on Utility and Insurance Payments

Utility and insurance transactions earn 1 reward point per ₹100 spent.

With a reward point value of ₹0.25, this provides an effective 0.25% cashback value.

This can help cardholders earn rewards on regular household and financial expenses.

4. 25% Cashback on ICAI Membership Fee Renewal

The AU CA Metal Credit Card provides a special benefit for Chartered Accountants.

Cardholders can receive a flat 25% cashback when renewing their annual ICAI Membership Fee.

This is one of the card's most relevant benefits for CAs because it directly caters to their professional requirements.

5. 2% Cashback on Business Expenses

The card offers 2% cashback on business expenses, making it a potentially useful option for Chartered Accountants who use their credit card for professional spending.

Business-related expenses can include eligible travel, software, tax payments, and other professional transactions, subject to the applicable terms and conditions.

6. Low Foreign Currency Markup

The card comes with a 1.99% foreign currency transaction fee.

A lower forex markup can be useful for cardholders who make international transactions or travel outside India.

However, users should still check the applicable exchange rate, taxes, and terms before making large international transactions.

7. Complimentary Airport Lounge Access

Cardholders receive 2 domestic airport lounge visits per quarter.

This can be useful for professionals who frequently travel for work or business.

The lounge benefit can help cardholders access participating domestic airport lounges without paying the standard walk-in charges, subject to applicable eligibility and lounge access conditions.

8. Complimentary Air Accident Cover

The AU CA Metal Credit Card provides a ₹50 lakh air accident insurance cover.

This is an additional travel-related protection benefit available to eligible cardholders, subject to the terms and conditions of the insurance policy.

9. Credit Shield Cover

Cardholders can receive a complimentary credit shield cover of ₹5 lakh.

Credit shield protection can provide financial protection against eligible circumstances covered under the applicable policy.

10. Purchase Protection Cover

The card offers purchase protection cover of up to ₹25,000.

This benefit can provide additional protection for eligible purchases made using the credit card, subject to applicable conditions.

11. Complimentary Travel Insurance

The AU CA Metal Credit Card also comes with complimentary travel insurance.

This can provide additional financial protection while travelling, depending on the coverage and conditions applicable to the card.

12. Free Concierge Service

Cardholders can access a complimentary concierge service.

Concierge services can be useful for assistance with travel-related requirements, lifestyle services, reservations, and other eligible requests.

13. Complimentary Times Prime Membership

The card provides complimentary Times Prime membership and offers from VISA.

This can provide access to various entertainment, lifestyle, shopping, dining, and other partner benefits, depending on the offers available at the time.

14. Fuel Surcharge Waiver

The card carries a 1% fuel surcharge, but the surcharge is waived for eligible fuel transactions between ₹400 and ₹5,000 across fuel stations in India.

The maximum cashback/waiver benefit is ₹250 per statement cycle.

Cardholders should check the latest terms to understand the exact eligibility and exclusions applicable to fuel transactions.

AU CA Metal Credit Card Reward Points

The reward structure of the card is one of its major attractions.

Spending Category	Reward Points	Effective Cashback Value
Dining	8 RP/₹100	2%
Travel	8 RP/₹100	2%
Tax Payments	8 RP/₹100	2%
Software Purchases	8 RP/₹100	2%
Other Purchases	2 RP/₹100	0.5%
Utility & Insurance	1 RP/₹100	0.25%

Value of 1 Reward Point = ₹0.25

For example, if you earn 1,000 reward points:

1,000 × ₹0.25 = ₹250

Therefore, 1,000 reward points have a redemption value of ₹250, subject to the applicable redemption rules and fees.

AU CA Metal Credit Card fees

The card is marketed as a lifetime-free credit card, meaning there is no joining fee or annual fee.

Fee	Charges
Joining Fee	₹0
Annual Fee	₹0
Cash Advance Fee	2.5% of amount withdrawn, minimum ₹100
Interest Rate	3.49% per month
Annualised Interest Rate	41.88%
Late Payment Fee	15% of due amount, subject to applicable slab/maximum
Foreign Currency Transaction Fee	1.99%
Reward Point Redemption Fee	₹99

Cash Advance Fee

The cash advance fee is 2.5% of the withdrawn amount, subject to a minimum charge of ₹100.

Credit card cash withdrawals can also attract interest and other applicable charges, so cardholders should avoid cash advances unless necessary.

Interest Rate

The card carries an interest rate of 3.49% per month, equivalent to 41.88% annually.

To avoid interest charges, cardholders should ideally pay their total outstanding amount by the payment due date.

Reward Point Redemption Fee

A ₹99 reward point redemption fee is applicable as per the provided card terms.

Before redeeming reward points, cardholders should check the latest redemption rules, minimum redemption requirements, applicable taxes, and other charges.

AU CA Metal Credit Card Eligibility Criteria

The AU CA Metal Credit Card is specifically targeted at Chartered Accountants.

The basic eligibility requirements include:

Age

The applicant should be above 21 years of age.

Residence

The applicant should reside in an AU Bank serviceable area.

Professional Eligibility

The applicant should be a Chartered Accountant (CA).

Meeting the basic eligibility criteria does not guarantee approval. The final application decision can depend on AU Small Finance Bank's internal credit assessment, income, credit profile, documentation, and other applicable requirements.

Documents Required for AU CA Metal Credit Card

Applicants may be required to provide documents such as:

• PAN card

• Address proof

• Identity proof

• Recent passport-size photograph

• Income or professional-related documents, if required

• Other documents requested by AU Bank during verification

Applicants should check the latest documentation requirements while applying.

How to Apply for AU CA Metal Credit Card?

Eligible applicants can apply for the AU CA Metal Credit Card through AU Bank's official application process.

Step 1: Visit the AU Bank Website

Go to the official AU Bank website and select the credit card section.

Step 2: Select the Credit Card

Choose the AU CA Metal Credit Card from the available credit card options.

Step 3: Enter Personal Details

Provide information such as:

• Name

• Address

• Mobile number

• Email address

• Other required personal details

Step 4: Enter Professional Information

Provide relevant employment or professional information, including income-related details if requested.

Step 5: Upload Documents

Upload the required documents, such as your PAN card and recent photograph.

Step 6: Review the Terms

Carefully read the applicable terms and conditions before submitting your application.

Step 7: Submit the Application

Click on the Submit button to complete the online application.

Step 8: Complete Verification

An AU Bank representative may contact you to verify your information and complete the application process.

Once the application is approved, the card will be issued according to AU Bank's applicable process and timelines.

Is AU CA Metal Credit Card Worth It?

The AU CA Metal Credit Card can be a good option for Chartered Accountants who have regular spending on dining, travel, taxes, software, and business expenses.

The biggest advantage is the 2% effective cashback value on dining, travel, tax payments, and software purchases. The 25% cashback on annual ICAI membership renewal is another benefit specifically relevant to CAs.

The card can also be attractive for professionals who want a lifetime-free credit card with airport lounge access, insurance benefits, concierge service, and a relatively low 1.99% forex markup.

However, the card may not be the best choice for users who primarily spend on categories with lower reward rates, such as utilities and insurance.

Pros and Cons of AU CA Metal Credit Card

Pros

• Lifetime-free credit card

• 2% effective cashback on dining and travel

• 2% effective cashback on tax payments

• 2% effective cashback on software purchases

• 2% cashback on eligible business expenses

• 25% cashback on ICAI membership renewal

• 2 domestic airport lounge visits per quarter

• 1.99% forex markup

• ₹50 lakh air accident cover

• ₹5 lakh credit shield cover

• ₹25,000 purchase protection

• Complimentary travel insurance

• Complimentary concierge service

Cons

• Card is specifically targeted at Chartered Accountants

• Utility and insurance transactions earn only 0.25% cashback value

• Reward point redemption fee of ₹99

• Cash advance fee applies

• High interest rate if the total outstanding is not paid on time

• Benefits are subject to applicable terms and conditions

AU CA Metal Credit Card vs Other Credit Cards

Before applying, applicants should compare the card based on their monthly spending pattern.

If you spend more on tax payments, travel, dining, software subscriptions, and professional expenses, the AU CA Metal Credit Card can provide better value from its higher reward rate in these categories.

On the other hand, if most of your spending is on utilities, insurance, or general purchases, you may want to compare other credit cards with higher rewards in those categories.

Who Should Get AU CA Metal Credit Card?

The card can be suitable for:

• Chartered Accountants

• CAs with regular business expenses

• Professionals who frequently pay taxes using credit cards

• Users with regular software subscription expenses

• Frequent domestic travellers

• CAs who want rewards on ICAI membership renewal

• Users looking for a lifetime-free premium credit card

It may not be suitable for applicants who are not eligible Chartered Accountants or those whose spending does not fall into the card's higher-reward categories.

Conclusion

The AU CA Metal Credit Card is a specialised lifetime-free credit card that can be particularly valuable for Chartered Accountants. Its strongest feature is the 2% effective cashback value on dining, travel, tax payments, and software purchases, combined with a 25% cashback benefit on ICAI membership renewal.

The card also offers 2 domestic airport lounge visits per quarter, 1.99% forex markup, ₹50 lakh air accident cover, ₹5 lakh credit shield cover, purchase protection, travel insurance, concierge service, and Times Prime membership.

If you are a Chartered Accountant with regular professional and business expenses, comparing this card with other best credit cards for CAs, business credit cards, and cashback credit cards can help you decide whether it matches your spending pattern.

For more information about other credit cards, you can also explore our related guides on [best cashback credit cards in India], [best business credit cards in India], and [credit card rewards and cashback] on our website.