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AU Tejas Credit Card Review
The short version. Tejas is AU’s low-fee everyday cashback card, built around 10% back on the small recurring spends that fill most people’s months — food delivery, groceries, movies, cabs and utility bills. The catch is tight monthly caps (₹50 per category), so it rewards consistency, not size.
Fees & charges
| Charge | Detail |
|---|---|
| Joining / annual fee | ₹500 + GST |
| Fee waiver | On annual spends of ₹1,50,000 |
| Forex markup | 3.75% + taxes |
| Welcome benefit | 2,000 bonus points or a ₹500 brand voucher on activation |
| Fuel surcharge waiver | 1% on transactions of ₹400–₹5,000 |
Rewards & benefits
Tejas is all about capped-but-frequent everyday cashback:
- 10% cashback (up to ₹50 per category, once a month) on Zomato food delivery, grocery delivery (Amazon Fresh/Now) and movies via District.
- 10% cashback (up to ₹50/month) on cab and ride-hailing bookings including Uber, Ola and Rapido.
- 10% cashback (up to ₹50/month) on utility bill payments made through the AU 0101 app.
- Welcome: 2,000 bonus reward points or a ₹500 brand voucher on activation.
Add the caps up and the categories can return roughly ₹250 of cashback a month if you use each one — enough to cover the fee several times over.
Eligibility & documents
AU Small Finance Bank typically requires applicants to be resident Indians (salaried or self-employed) within the bank’s age and income norms, with standard KYC (PAN and Aadhaar/address proof). Existing AU customers can often see pre-approved offers in the AU 0101 app. Exact income eligibility varies by variant — the premium cards need a higher income than the entry cards.
Who it’s for
Where it shines
- Low ₹500 fee, easy to waive at ₹1.5 lakh/yr
- 10% back on the exact categories most people use monthly
- Utility, cab and food all covered
- Welcome benefit choice of points or voucher
Where it falls short
- ₹50/category monthly caps limit total cashback
- Forex markup 3.75% is high — avoid for foreign spends
- Best value only if you use most categories
How it compares
Tejas is the entry cashback rung of AU’s ladder, below Lakshya (more lifestyle perks) and Ananta (travel). If your monthly life is food delivery, cabs and utility bills, Tejas quietly returns more than many pricier cards. See how it stacks up in our best cashback credit cards guide.
Verdict
Tejas is a smart little everyday cashback card. Use all five categories and it pays for itself many times over; ignore them and it is just an ordinary card. For a disciplined everyday spender it is a genuine winner at ₹500. Our score: 7.5/10.
Frequently asked questions
What is the AU Tejas annual fee?
₹500 + GST, waived on annual spends of ₹1,50,000.
How much cashback can Tejas earn?
10% on Zomato, grocery, movies, cabs and utility bills — but each category is capped at ₹50 per month, so roughly ₹250/month if you use them all.
Is Tejas good for foreign spends?
No — the forex markup is 3.75%, so it is best kept for domestic everyday spends.
What is the welcome benefit?
2,000 bonus reward points or a ₹500 brand voucher on activation.