Back to Browse
AU KOSMO Credit Card
AU Small Finance • Visa

AU KOSMO Credit Card

Digital-lifestyle AU card with category boosts on online spends and travel-oriented transactions.

Annual FeeFreeLifetime free positioning as per issuer page snapshot
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime free positioning as per issuer page snapshot

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
2.0%
Travel
1.5%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • Digital-lifestyle AU card with category boosts on online spends and travel-oriented transactions.
  • Highest reward leverage comes from online 2.0% and travel 1.5% bands.
  • Fee drag is low due lifetime-free structure, so net value depends mainly on how well accelerated categories are used. Card behavior is relatively straightforward without heavy cap or milestone complexity.

Best Utilization

  • Use this card first for users with mostly online spends who want a no-fee au option-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (online 2.0%, travel 1.5%) and shift overflow after cap pressure appears.
  • Pair with one strong specialized card for travel or online categories to improve overall portfolio yield.

Watchouts

  • Category-led value depends on eligible merchant buckets
  • Base return on broad offline spends remains modest
  • Term changes and partner-list updates can shift effective value; review issuer terms periodically.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU KOSMO Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Digital-first proposition with low-friction servicing
  • Category rewards on online and selected travel spends
  • No-fee positioning under current issuer framing
  • Designed for app-native, younger spend behavior

Things to Consider

  • Category-led value depends on eligible merchant buckets
  • Base return on broad offline spends remains modest
  • Offer structure can change with issuer updates

About AU KOSMO Credit Card

AU KOSMO Credit Card is a cashback card from AU Small Finance, best for users with mostly online spends who want a no-fee au option. It is tagged under lifetime free, online, shopping, travel categories in our database.

Lifetime FreeOnlineShoppingTravel

Similar Cards You Might Like

AU Small FinanceVisa

AU Altura Credit Card

Beginner users starting with AU ecosystem cards

₹199/yrCashback
AU Small FinanceRuPay

AU InstaPay Credit Card

UPI-heavy users seeking a basic lifetime-free credit card

Lifetime FreeCashback
AU Small FinanceVisa

AU Bank LIT Credit Card

Travel & lounge access

Lifetime FreeCashback

Frequently asked questions

Is AU KOSMO Credit Card lifetime free?

AU KOSMO Credit Card is lifetime free with no annual fee.

What rewards does AU KOSMO Credit Card offer?

Digital-lifestyle AU card with category boosts on online spends and travel-oriented transactions.

Does AU KOSMO Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU KOSMO Credit Card?

Users with mostly online spends who want a no-fee AU option

Where can I apply for AU KOSMO Credit Card?

Check the issuer website for application availability.