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AU KOSMO Credit Card
Annual feeLifetime free
RewardsCashback
Earns hardest on
Online 2.0%Travel 1.5%
AU Small Finance • VisaEveryday cashback

AU KOSMO Credit Card

Updated 12 Feb 2026VerifiedHigh confidence1 source checked
Freshness warning: last verified 139 days ago (12 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Modeled value for your spend≈ ₹2,367/yr
₹30,000/mo
Lifetime free — all upsideFull breakdown
Get it if

Use this card first for users with mostly online spends who want a no-fee au option-aligned spends before routing to general-spend...

Skip it if

Category-led value depends on eligible merchant buckets

For Users with mostly online spends who want a no-fee AU option. 2% on online spend. No annual fee. Skip it for lounge access.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

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

  • 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
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Category-led value depends on eligible merchant buckets
  • Base return on broad offline spends remains modest
  • Offer structure can change with issuer updates
Annual FeeFreeNo annual fee.
Spend to Waive FeeNot neededThis card is lifetime free.
Best Category Return2%Online spend
Lounge Access ConditionNo accessNo lounge access listed.

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • 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.

Watch before applying

  • 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.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Same-bank step-up path

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

Step 1

AU SPONT Credit Card

Annual fee: ₹299

Shared focus: Shopping, Travel+2 more lounge visits in current datasetEstimated +₹1,644/yr value
View Details

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