# CheQ AU Credit Card

AU Small Finance Bank · RuPay. ₹499 fee · 3.49% forex · 1% CheQ Points (2 pts/₹200) base, uncapped · min ₹200/txn.

verified · checked 16 July 2026 · Source: https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf

## How it earns (2)

- 1% CheQ Points (2 pts/₹200) base, uncapped · min ₹200/txn · ✓ official · checked 11 July 2026
- 5% CheQ Points (10 pts/₹200) on listed categories · accelerated tiers share a 12K pts/cycle cap · the 12% partner/app tier is app-gated · cap 12,000 points per statement cycle · ✓ official · checked 11 July 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 1% CheQ Points (2 pts/₹200) base, uncapped · min ₹200/txn
- Vouchers for Bharat Petroleum (BPCL), Acko Insurance, BYJU'S, App Store and 25 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No CheQ Points on wallet loads
- No CheQ Points: wallet, jewellery/gold, rent, insurance, education, govt, fuel, gaming, cash

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹3,00,000 spend per year
- Forex markup: 3.49%
- DCC markup: Not published
- Earns: CheQ Points · ₹0.5 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-cheq