AU Kosmo Credit Card

Card Details

AU Kosmo Credit Card
Issuer
AU Small Finance Bank
Card type
Entry-level
Joining fee
Nil
Annual fee
Nil
Rewards currency
Reward Points

Highlights

  • Lifetime free AU x Kiwi card
  • 1.5% cashback on offline UPI spends via Kiwi app, premium users can get 5% cashback

Welcome, annual & renewal benefits

  • Joining/Annual Fee: Nil (Lifetime Free).

Reward earning

Spend typeBenefit
Offline UPI spends via Kiwi app1.5% cashback
Premium users (Kiwi)Up to 5% cashback on purchases
  • Reward redemption: 1 Kiwi = ₹0.25.
  • Forex markup: 3.49%.

Additional Benefits

  • Fuel surcharge waiver: 1% on ₹400–₹5,000 (up to ₹100).
  • Exclusions for Kiwi rewards include cash, rent, education, government payments, insurance, EMIs, fuel and BBPS.

Review

Widely considered as one of the best UPI cards. Go for this card if you have good UPI spending.