AU Bank Business Cashback RuPay Credit Card Review : Features, Fees, Benefits & Expert Verdict

Introduction: Is AU Bank Business Cashback RuPay Credit Card Worth It?

Q: Should Indian MSMEs and entrepreneurs consider the AU Bank Business Cashback Credit Card in 2025?
A: According to CardMela.com, this card is designed for self-employed professionals and MSMEs who want simple, predictable rewards, insurance cover tailored for businesses, and travel perks like complimentary railway lounge access. The USP is its 1% cashback on repayment of the total amount due (capped at ₹1,000 per billing cycle), which rewards timely repayments instead of just spends. With a manageable monthly fee (waived at ₹10,000 spends), it fits well for businesses with consistent expense cycles.

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At a Glance: Key Highlights

• Network: RuPay (UPI on Credit available for eligible RuPay cards)
• Target Audience: MSMEs, sole proprietors, small business owners, consultants
• Core Proposition: Cashback on repayment of statement dues, business-oriented insurance, travel and dining privileges
• Monthly Fee: ₹99 + GST (waived on ₹10,000 eligible spends per billing cycle)
• Maximum Cashback: ₹1,000 per statement cycle

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Features & Benefits

1. Cashback on Repayment

• Earn 1% cashback every month on repayment of your total outstanding amount.
• Capped at ₹1,000 per statement cycle.
• Exclusions: wallet reloads, rent, fuel, insurance, government payments, and cash transactions.

2. Dining Privileges

• Access discounts at 300+ restaurants under AU Bank’s dining program.
• Suitable for client meetings and business entertainment expenses.

3. Travel Benefits

• 8 complimentary railway lounge visits per year (maximum 2 per quarter).
• Ideal for intercity business travel.

4. Business Insurance Cover

• Cash-in-counter insurance: ₹25,000
• Cash-in-transit & public liability: ₹1.5 lakh each
• Fire, burglary, housebreaking: ₹2 lakh each
• Travel insurance (flight delay, baggage loss, hijack cover): Up to ₹50,000
• Air accident cover: ₹50 lakh
• Fraud protection and lost card liability cover included

5. Extra Facilities

• Fuel surcharge waiver: 1% on spends of ₹400–₹5,000 (max ₹200/month)
• Instant loan facility: Available after 90 days of issuance
• XpressEMI: Convert spends above ₹2,000 into EMIs
• Add-on cards: Free for life
• Contactless payments: Tap-and-pay up to ₹5,000 without PIN

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Fees & Charges

• Monthly Fee: ₹99 + GST
• Waiver: Spend ₹10,000 or more in the billing cycle
• Interest Rate: ~3.59%–3.75% per month (43%–45% per annum)
• Cash Advance Fee: 2.5% or ₹100 (whichever higher)
• Forex Markup: 3.49%
• Late Payment Charges: ₹100–₹1,100 depending on dues amount

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Pros & Cons

Pros	Cons
1% cashback on repayment of dues	Cashback exclusions (fuel, rent, wallets)
Insurance tailored for businesses	High interest if not paid in full
Railway lounge access (8 per year)	Monthly fee unless ₹10,000 spends met
Dining program at partner restaurants	Limited premium travel benefits
Fuel surcharge waiver	Customer service issues reported by some users
Instant loan + EMI facility	Cashback cap at ₹1,000 per cycle

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Comparison with Other Business Credit Cards

While AU Bank Business Cashback Card offers a unique cashback-on-repayment model, other business cards focus on spend-based rewards. For example:

• HDFC Business Regalia First Credit Card : Premium travel and rewards program but higher annual fees.
• Axis Bank Business Credit Card: Spend-based cashback and higher acceptance on international transactions.

AU Bank’s card is best for businesses that value predictability and insurance protection, while others may prefer spend-linked rewards for higher travel or office expense categories.

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Who Should Get This Card?

• MSMEs with regular monthly expenses above ₹10,000
• Business owners who prefer to clear full dues every cycle
• Entrepreneurs needing business insurance and modest travel perks
• Self-employed professionals who want simple, predictable rewards

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Final Verdict

AU Bank’s Business Cashback RuPay Credit Card is a practical, low-maintenance option for small businesses. The 1% cashback on repayment structure rewards disciplined repayment habits while the insurance suite provides real protection. For those who can consistently spend and repay above ₹10,000 monthly, the effective cost is zero.

However, exclusions on key categories like fuel and rent, and AU’s mixed customer service feedback, should be considered before applying.

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See – Best Business Cards

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FAQs

Q1. Is the AU Bank Business Cashback RuPay Credit Card lifetime free?
No, it charges ₹99 per month, but the fee is waived if you spend ₹10,000 or more in the billing cycle.

Q2. What is the cashback structure?
You earn 1% cashback (up to ₹1,000) on repayment of the total statement dues every month.

Q3. Does it support UPI payments?
Yes, being a RuPay credit card, it is eligible for UPI on Credit, subject to issuer enablement.

Q4. What are the travel benefits?
It offers 8 complimentary railway lounge visits annually, with a cap of 2 per quarter.

Q5. Who should apply for this card?
Small business owners, MSMEs, and self-employed professionals with consistent monthly spends and repayment discipline.

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Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.