AU Tejas Credit Card 2026: Benefits, Rewards, Fees, Eligibility & How to Apply
- Sneha Gupta
- 2 hours ago
- 4 min read
The AU Tejas Credit Card is a lifestyle and rewards credit card for customers who wish to accumulate reward points on their travel, shopping and day-to-day spending. It also has offerings of discounts on popular platforms like District, Zomato, Amazon Now, Uber, Ola and Rapido.
The card charges customers a fee of ₹500 for joining and ₹500 annually for its rewards and lifestyle advantages, making it a budget-friendly choice. This AU Tejas Credit Card benefits guide explains the rewards, milestone benefits, fees, eligibility and application process of the credit card.
AU Tejas Credit Card Highlights
Feature | Details |
Welcome Benefit | 2,000 reward points or ₹500 brand voucher |
Welcome Condition | Activation + first transaction within 30 days |
Travel Rewards | 5 points per ₹100 |
Reward Point Value | ₹0.25 |
Other Spending | 1 point per ₹100 |
Milestone Benefit | 500 points on 5 eligible monthly transactions |
Annual Fee Waiver | On ₹1.5 lakh annual spending |
Joining Fee | ₹500 |
Annual Fee | ₹500 |
Minimum Age | Above 21 years |
Minimum Income | ₹25,000 per month |
AU Tejas Credit Card Welcome Benefit
It offers a welcome benefit of 2000 reward points or a brand voucher worth ₹500 to new cardholders.
Subject to the applicable terms and conditions, the Card must be activated, and the Cardholder must complete their first transaction within 30 days of its activation in order to qualify.
AU Tejas Credit Card Reward Points
The card offers 5 reward points per ₹100 on eligible:
Flights
Hotels
Voucher shopping
AU Rewards portal spending
Each reward point is worth ₹0.25 and 5 reward points are equivalent to ₹1.5 reward points are equivalent to ₹1 and each reward point is worth ₹0.25. This is equivalent to 1.25% cash back.
For other categories in which one can join, one gets one reward point for every 100 rupees, which comes to 0.25% cash back on the given reward point value.
Example
For spending ₹10000 on eligible flights/hotels:
Reward points earned: 500
Value: ₹125
AU Tejas Credit Card Milestone Benefits
The cardholder can get 500 reward points for completing 5 eligible transactions in a month with a minimum transaction amount of ₹500.
This feature might be beneficial to those who make multiple purchases every month.
The card also waives the annual fee if one spends over ₹1.5 lakh in a year, with certain conditions attached.
AU Tejas Credit Card Instant Discounts
The card provides 10% instant discounts on selected everyday services, with each benefit capped at ₹50 per month.
Available Offers
District Movies: 10% discount up to ₹50/month
Amazon Now: 10% discount up to ₹50/month
Zomato: 10% discount up to ₹50/month
Uber/Ola/Rapido: 10% discount up to ₹50/month
Bill Payments via AU101: 10% discount up to ₹50/month
The offers can enable customers to save on regular entertainment, food, transportation, shopping and bill payments.
AU Tejas Credit Card Fuel Surcharge Waiver
The card offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000 across fuel stations in India.
The maximum benefit is ₹100 per statement cycle, subject to applicable terms.
AU Tejas Credit Card Fees and Charges
Fee | Charges |
Joining Fee | ₹500 |
Annual Fee | ₹500 |
Cash Advance Fee | 2.5%, minimum ₹100 |
Interest Rate | 3.49% per month |
Annualised Interest Rate | 41.88% |
Reward Redemption Fee | ₹99 |
Late Payment Fee | 15% of due amount, subject to applicable limits |
The ₹500 annual fee can be waived when the cardholder spends ₹1.5 lakh or more in a year.
AU Tejas Credit Card Eligibility
The basic eligibility criteria include:
Applicant must be above 21 years of age
Minimum monthly income of ₹25,000
Applicant should reside in an AU Bank serviceable area
Both salaried and self-employed applicants can be considered, subject to the bank's criteria
Approval may also depend on the applicant's credit profile and other internal eligibility requirements.
Documents Required
Applicants may need to provide:
PAN Card
Recent passport-size photograph
Address details
Employment details
Income details
Additional documents may be requested during the verification process.
How to Apply for AU Tejas Credit Card Online
You can apply for the AU Tejas Credit Card by following these steps:
Visit the AU Bank website.
Select the Apply for Credit Card option.
Choose the AU Tejas Credit Card.
Enter your personal, employment, and income details.
Upload the required documents.
Review the terms and conditions.
Submit the application.
Complete the verification process when contacted by the bank.
AU Tejas Credit Card Pros and Cons
Pros
No joining fee and an annual fee of just ₹500.
Welcome Reward Points: 2000 or a voucher of ₹500
Redeem 5 reward points on every ₹100 in travel spend.
Monthly milestone reward
This is a 10% discount on many lifestyle categories.
No need to pay an annual fee for spending ₹1.5 lakh per year
Waiver of fuel surcharge on eligible transactions
Cons
Monthly discounts are capped at ₹50.
For general spending, there is only 1 reward point for every ₹100 spent.
₹99 reward redemption fee
High interest rate if the outstanding balance is carried forward
No extensive premium travel benefits
Is AU Tejas Credit Card Worth It?
The AU Tejas Credit Card may be an ideal option for those who want an everyday lifestyle rewards credit card with low fees.
It will come in handy for individuals who make payments on flights, hotels, vouchers, Zomato, movies, ride-hailing and Bill payments. You can also enhance its value by waiving the annual fee for spending ₹1.5 lakh.
But the monthly discount is low and shouldn't be factored in, as users should keep an eye out for other offers on the card. The cards are best used when the reward and discount are sufficient to align with your daily purchases.
Conclusion
The AU Tejas Credit Card 2026 is an affordable lifestyle credit card offering welcome rewards, travel rewards, milestone benefits, and discounts on popular everyday services. It offers a low annual fee and a fee waiver for annual spending of ₹ 1.5 lakh, making it ideal for people who use the service frequently.
Useful perks include traveller, dining, entertainment, food delivery, transport and AU Rewards spending discounts for those who have to travel a lot and/or spend a lot on eating, entertainment, food delivery, transport and redeeming AU Rewards. Before applying, make sure that the card's reward terms, eligibility requirements, limited discounts and fees are suitable for your spending habits.
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