AU Business Cashback
AU Small Finance Bank
Last updated: Feb 03, 2026
₹1,188
₹0
3.49%
8 visits/yr
Contents
AU Business Cashback RuPay Credit Card is built for self-employed professionals, shopkeepers and MSME owners who want simple, predictable cashback on everyday business expenses. You earn 1% cashback on repayment of the Total Amount Due on your credit card bill, helping you save on every billing cycle while keeping your business cash flow healthy. The card also offers complimentary railway lounge access, 1% fuel surcharge waiver and a powerful business insurance bundle for your shop, cash and public liability risks. With a low monthly membership fee that can be easily waived via regular spending, AU Business Cashback is a practical business credit card for day-to-day working capital payments and vendor spends.
Features of AU Business Cashback which makes it unique
Cashback on Bill Repayment
Instead of rewarding individual purchase categories, the card gives cashback when you repay your full credit card bill.
Encourages disciplined repayment behaviour and rewards you for clearing your business dues on time.
Different from many business credit cards that only reward specific spends like fuel, travel or online expenses.
Integrated Business Insurance Bundle
Complimentary group insurance for shop, cash, burglary and public liability automatically linked to the card.
Reduces the need for separate small-ticket insurance policies and offers protection tailored to shopkeepers and MSMEs.
More comprehensive built-in business protection than most entry-level business credit cards in the market.
Rewards Structure of AU Business Cashback
Bill Payments
baseRepayment of the Total Amount Due on the AU Business Cashback credit card bill by the due date.
E-wallet loads, wallet spends, rent payments, fuel purchases, insurance premiums and cash withdrawals are excluded from cashback calculation.
Milestones of AU Business Cashback
Monthly Spend Fee Waiver
₹10,000 or more in eligible retail spends within one card statement cycle. : Monthly card membership fee of ₹99 + taxes is reversed in the same statement cycle when the spend condition is met.
Fees & Charges of AU Business Cashback
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,188 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Monthly membership fee of ₹99 + taxes (effective annual cost around ₹1,188) waived when you spend ₹10,000 or more in eligible retail transactions in the same statement cycle.
Fee Explanation Finance charges, late payment charges, overlimit fees and other penalties are applied as per AU Small Finance Bank’s latest Schedule of Charges. Always refer to the official AU Bank website or key fact statement before making high-value, EMI or international transactions.
Detailed Explanation of AU Business Cashback Fees
Monthly Membership Fee: ₹99 + taxes (monthly)
Charged every month. Waived when you spend ₹10,000 or more in eligible retail transactions within the same statement cycle.
Finance Charges: 3.59% per month (43.08% p.a.) (monthly)
Applied on revolving balances, cash advances and overdue amounts from the transaction date until full repayment.
Foreign Currency Markup: 3.49% (per transaction)
Charged on the INR-converted value of international transactions on the RuPay network.
Cash Advance Fee: 2.5% (minimum ₹100) (per transaction)
Applicable on ATM cash withdrawals and over-the-counter cash transactions; interest accrues from the date of withdrawal.
Lounge Access Benefits with AU Business Cashback
domestic Lounges
silverVisits per year: 8
Guest access: Yes
Complimentary access at select railway lounges in India via RuPay/Visa lounge program; maximum 2 visits per calendar quarter. Add-on cardholders share the overall visit quota.
Insurance Coverage with AU Business Cashback
Cash in Counter
₹25,000Covers loss of business cash kept in the shop counter at insured premises due to covered events, subject to policy terms and exclusions.
Cash in Transit
₹1,50,000Covers business cash while being transported between business location and bank, as per limits and conditions of the group insurance policy.
Public Liability
₹1,50,000Covers legal liability for third-party bodily injury or property damage occurring at insured business premises, subject to policy wording.
Fire, Burglary & Housebreaking
₹2,00,000Covers physical loss or damage to insured property due to fire, burglary or housebreaking, as per insurer’s terms and exclusions.
Air Accident Cover
₹50,00,000Provides insurance cover for the primary cardholder in case of death due to a covered air accident when travelling as a passenger.
Travel Insurance
Up to ₹50,000Includes limited cover for baggage loss, baggage delay, flight delay, loss of passport and related travel incidents, as per policy document.
Additional Features of AU Business Cashback
Contactless Payments
Tap-and-pay enabled card for quick, secure contactless transactions at supported POS terminals.
PIN-less transactions allowed up to ₹5,000 per tap as per RBI guidelines; higher amounts require PIN authentication.
XpressEMI
Convert eligible purchases into easy EMIs directly on the card.
Available for transactions of ₹2,000 or above. EMI processing fee and interest rate apply as per AU Small Finance Bank’s EMI schedule.
Instant Loan on Card
Avail an instant business loan using your available credit limit to manage short-term working capital needs.
Offered only to eligible cardholders after 90 days from the card issuance date, subject to internal credit checks and documentation.
Add-on Cards
Lifetime-free add-on credit cards for family members to centralise personal and business spends.
Add-on card spends are billed to the primary card account and share the same overall credit limit.
Silver Spoon Dining Program
Premium dining program offering attractive discounts at partner restaurants across major Indian cities.
Discounts vary by restaurant and are subject to change; check AU Bank website or AU 0101 app for current offers.
Welcome Bonus with AU Business Cashback
Welcome Bonus: N/A
Bonus Conditions: AU Business Cashback currently does not offer an additional one-time welcome bonus; benefits start from your regular eligible usage and timely bill payments as per AU Small Finance Bank policy.
Application Process for AU Business Cashback
Processing Time
Typically 5–7 working days after successful document and credit verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the AU Small Finance Bank website and open the AU Business Cashback Credit Card page.
Click on the Apply Now button and provide basic details such as name, mobile number, PAN and business type.
Enter additional KYC, business and income information as requested in the online form.
Upload supporting documents including ID proof, address proof, business proof and income proof.
Complete video KYC or additional verification if prompted by AU Small Finance Bank.
Await credit assessment and approval communication by SMS or email; on approval, the card is dispatched to your registered address and can be managed via AU 0101 app or NetBanking.
Required Documents for AU Business Cashback
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Business Proof
self-employedAccepted documents:
Income Proof
self-employedAccepted documents:
AU Business Cashback Merchant Acceptance Network
Domestic Acceptance
Widely accepted at RuPay-enabled POS terminals and online payment gateways across India for business and retail spends.
International Acceptance
Accepted at RuPay network partner merchants and ATMs internationally; the card is primarily positioned for domestic business use, so global acceptance may be more limited than Visa or Mastercard.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Business Cashback
Quick Eligibility Check
Minimum Age
25+
Credit Score
0+
Citizenship
Resident Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be a self-employed individual, professional, trader or MSME owner with stable business income and a satisfactory credit profile as per AU Small Finance Bank’s internal underwriting policy.
How Approval Is Decided
- Applicant must be a resident Indian within the eligible age band defined by AU Small Finance Bank for this product.
- Stable and verifiable business income with a satisfactory banking relationship and repayment track record.
- Acceptable credit bureau history and internal risk assessment as per AU Small Finance Bank’s credit policy.
Pros of AU Business Cashback
- Transparent 1% cashback on repayment of Total Amount Due, capped at ₹1,000 per statement cycle.
- Low effective annual cost with an easy fee waiver on ₹10,000 monthly retail spends.
- Valuable bundled business insurance for small shops, traders and MSMEs.
- 8 complimentary railway lounge visits per year (maximum 2 per quarter) for frequent rail travellers.
- Attractive dining discounts through Silver Spoon Dining Program at partner restaurants.
Cons of AU Business Cashback
- No separate welcome bonus or large milestone reward on high annual spend.
- Cashback is earned on bill repayment, not instantly on individual purchases, which may feel less rewarding to some users.
- No complimentary airport lounge access or high-end travel benefits for international business travellers.
- Foreign currency markup of 3.49% makes it less suitable for heavy international usage and overseas business trips.
Frequently Asked Questions about AU Business Cashback
What cashback do I earn with the AU Business Cashback Credit Card?
You earn 1% cashback on repayment of the Total Amount Due on your AU Business Cashback credit card bill, with a maximum cashback of ₹1,000 per statement cycle, after excluding ineligible spends like fuel, rent, wallets, insurance and cash withdrawals.
What is the membership fee for AU Business Cashback and how is it charged?
The card has a monthly membership fee of ₹99 plus applicable taxes instead of a traditional annual fee. This is charged to your statement every month unless you meet the spend-based waiver condition.
How can I get the monthly membership fee waived?
You can get the monthly fee of ₹99 + taxes reversed when you spend ₹10,000 or more in eligible retail transactions within the same statement cycle. Certain spends like fuel, rent, e-wallet loads and cash withdrawals may not count towards the waiver.
Does AU Business Cashback offer lounge access benefits?
Yes. You get 8 complimentary railway lounge visits per year, with a maximum of 2 visits per calendar quarter at participating railway lounges in India. Add-on cardholders can also use this shared visit quota.
What kind of business insurance cover is included with this credit card?
The card provides group insurance for Cash in Counter, Cash in Transit, Public Liability and Fire, Burglary & Housebreaking, along with air accident cover and limited travel insurance, giving protection to shop premises, business cash and liability risks.
Who should apply for the AU Business Cashback Credit Card?
This card is ideal for self-employed professionals, shopkeepers, traders and MSME owners who pay their credit card bills on time, want straightforward 1% cashback on repayments, need railway lounge access and appreciate bundled business insurance at a low, waiver-friendly monthly fee.
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