CheQ AU Credit Card 2026: Features, Cashback, Fees & Eligibility

CheQ AU Credit Card is a rewards credit card from AU Small Finance Bank in collaboration with CheQ. The card is designed for those who shop online, pay bills, transact with UPI and travel regularly. This card is perfect for frequent online shoppers, bill payers, UPI users and travellers. You can earn rewards on almost every purchase, such as when you buy something on Amazon or Flipkart, order food on Zomato, or pay bills with the CheQ app.

The biggest feature of this card is its LED-lit design, which is one of the most exclusive features of a credit card in India. Besides, users can use their reward points to the fullest by making a travel or hotel booking through the CheQ app.

In this guide, we will tell you what features you can expect to get on the CheQ AU Credit Card, what the cashback rates are, the fees you will be charged, the eligibility criteria, the benefits you will receive, the reward system and how to apply for the credit card. In this guide, we will be able to tell you the features that you will be able to enjoy for the card, the cashback rates, the fees that you will be charged, the eligibility criteria, the benefits that you will be able to enjoy, the reward system and how you can go ahead and apply for the card.

CheQ AU Credit Card Highlights

Feature	Details
Card Issuer	AU Small Finance Bank
Card Type	Cashback & Rewards Credit Card
Joining Fee	₹999 + GST
Annual Fee	₹0
Reward Currency	CheQ Points
UPI Rewards	Yes
Travel Rewards	Yes
Best For	Online Shopping, Utility Bills, UPI Payments & Travel
Special Feature	LED-Lit Credit Card

Key Features of the CheQ AU Credit Card

The CheQ AU Credit Card offers several key features. The CheQ AU Credit Card has a number of key features.

1. Earn Rewards on Everyday Spending

The card rewards almost everything you do – from shopping and dining to utility bills and UPI payments.

2. High Cashback on Popular Merchants

Get the highest reward rate while shopping on leading platforms like:

• Amazon

• Flipkart

• Amazon Now

• Flipkart Minutes

• Zomato

• BigBasket

• Apple Products

• CheQ Travel Portal

• Utility Bill Payments via the CheQ App

3. Rewards on UPI Payments

The CheQ AU Credit Card is different from many of the traditional credit cards because it lets its users get rewarded on eligible UPI transactions done in the CheQ app.

4. LED-Lit Credit Card

The CheQ AU Credit Card boasts a sleek LED light that lights up when in use for contactless payments, lending an elegant and contemporary feel to the card.

5. Better Value on Travel Redemptions

CheQ Points are worth more when redeemed for travel and hotel bookings through the CheQ app, making the card especially rewarding for frequent travellers.

CheQ AU Credit Card Cashback & Reward Structure

One of the biggest reasons to choose this card is its rewarding cashback program.

1. Preferred Merchant Cashback – Up to 3%

Cardholders earn 12 CheQ Reward Points for every ₹100 spent at selected merchants.

Eligible Merchants

• Amazon

• Flipkart

• Amazon Now

• Flipkart Minutes

• Zomato

• BigBasket

• Apple Products

• CheQ Travel Portal

• Utility Bill Payments via the CheQ App

Reward Rate

• 12 CheQ Points per ₹100

• Effective Cashback: 3%

This makes the card highly rewarding for users who frequently shop online or pay bills digitally.

2. Cashback on Shopping & Lifestyle Apps – 1.25%

Earn 5 CheQ Reward Points for every ₹100 spent on over 10,000 supported apps.

Popular Apps Include

• Myntra

• Ajio

• Meesho

• Libas

• Tata Cliq

Reward Rate

• 5 CheQ Points per ₹100

• Effective Cashback: 1.25%

This category covers a wide range of fashion, lifestyle, and shopping platforms.

3. Cashback on UPI Payments – 0.75%

Users making UPI payments through the CheQ App earn additional rewards.

Reward Rate

• 2.5 CheQ Points per ₹100

• Effective Cashback: 0.75%

This feature allows you to earn rewards even on everyday QR-code transactions.

4. Rewards on Other Spends

For all other eligible transactions, cardholders receive:

• 1 CheQ Point for every ₹100 spent

Effective Cashback

Approximately 0.25%

Even if your spending doesn't fall into bonus categories, you continue earning reward points on eligible purchases.

Understanding CheQ Points

CheQ Points are the reward currency earned on every eligible transaction.

Redemption Value for Credit Card Bill Payment

• 1 CheQ Point = ₹0.25

For example:

Spending	Reward Points	Value
₹1,000	120 Points	₹30
₹5,000	600 Points	₹150
₹10,000	1,200 Points	₹300

MyRupaya Tip

You can unlock even better value by redeeming your CheQ Points for travel and hotel bookings through the CheQ App.

1 CheQ Point = ₹0.50

This effectively doubles the redemption value compared to using points for credit card bill payments, making travel redemptions one of the smartest ways to maximise your rewards.

Fees & Charges

Fee Type	Charges
Joining Fee	₹999 + GST
Annual Fee	₹0
Cash Advance Fee	2.5% of the withdrawn amount (Minimum ₹100)
Interest Rate	3.49% per month (41.88% annually)
Foreign Currency Transaction Fee	3.49%
Reward Redemption Fee	₹99
Late Payment Fee	15% of the due amount (subject to applicable limits, up to ₹1,300)

Eligibility Criteria

Before applying, ensure you meet the following requirements.

Age

Applicants should be 21 years or older.

Income

• Minimum monthly income of ₹25,000

• Applicable to both salaried and self-employed individuals.

Credit Score

A credit score of 750 or above is recommended for better approval chances.

Residence

Applicants should reside in an AU Small Finance Bank serviceable area.

Documents Required

Keep the following documents ready while applying:

• PAN Card

• Aadhaar Card or other address proof

• Passport-size Photograph

• Income Proof

• Identity Proof

How to Apply for the CheQ AU Credit Card

Applying online is quick and straightforward.

Step 1

Visit the AU Small Finance Bank website.

Step 2

Click on Apply for Credit Card.

Step 3

Select the CheQ AU Credit Card from the available options.

Step 4

Fill in your:

• Personal details

• Contact information

• Employment details

• Monthly income

Step 5

Upload:

• PAN Card

• Passport-size Photograph

Step 6

Read and accept the terms and conditions.

Step 7

Submit your application.

After submission, an AU Bank representative will contact you to verify your details and complete the application process.

Who Should Choose the CheQ AU Credit Card?

This credit card is an excellent choice for:

• Frequent Amazon and Flipkart shoppers

• Users who regularly order from Zomato and BigBasket

• People who pay utility bills online

• UPI users looking to earn rewards

• Fashion shoppers using Myntra, Ajio, Tata Cliq, or Meesho

• Travellers who can maximise the value of CheQ Points through travel bookings

• Young professionals looking for a cashback-focused rewards card

Pros & Cons

Pros

• Widely available cashback on favoured stores up to 3% of the purchase value.

• Rewards for eligible UPI payments.

• No annual fee

• Higher redemption value for travel bookings

• Premium LED-lit card design

• Rewards across 10,000+ shopping apps

• Earn points on almost every eligible transaction

Cons

• ₹999 joining fee

• ₹99 reward redemption fee

• 3.49% foreign currency markup

• General spending rewards are relatively low

• Highest cashback is limited to selected merchants

Is the CheQ AU Credit Card Worth It?

In case you make a lot of online purchases, food deliveries, payments for utility bills and UPI transactions, the CheQ AU Credit Card is a good choice. It offers a 3% cashback on select merchants, benefits on over 10,000 apps, and the chance to double your points by using them for travel.

The card charges a ₹999 joining fee, but there is no annual fee, and the rewards are flexible, making it an attractive choice for users who can earn CheQ Points to the fullest. The CheQ AU Credit Card can offer you great value all year if you spend in the bonus categories. To know more about the CheQ AU Credit Card, click here.

Conclusion

It is a good card for those who make regular online purchases, pay bills such as electricity, gas, and water, make payments using UPI and travel. It will deliver up to 3% cashback on preferred merchants, rewards on everyday spends, ₹0 annual fee, and a unique LED-lit card, making it a great-value proposition for digital-first users. In 2026, this card might be worth considering if you can accumulate CheQ Points, particularly on bookings.

FAQs

What is the joining fee for the CheQ AU Credit Card?

The card comes with a joining fee of ₹999 + GST, while there is no annual fee.

How much cashback does the CheQ AU Credit Card offer?

The card offers up to 3% effective cashback on preferred merchants, 1.25% on selected shopping apps, 0.75% on eligible UPI payments, and 0.25% on general spending.