Offer Truth
- Joining fee₹500
- Annual fee₹500
- Waiver thresholdNot listed
- Cap typenone
- Cap resetnone
- Last verifiedNot listed
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AU Small Finance • Visa
Kosmo (Kiwi)
AU Bank, in association with popular app Kiwi, has launched an all-new Kosmo Credit Card. Learn all of its features and benefits.
Reviewed by CardWise Editorial Team
Last Verified: Recently Verified
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹500Annual fee waiver thresholds depend on issuer spend criteria.
Base Reward0.8%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹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.
Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,700
Assumes base reward rate only.
Annual fee₹500
Annual fee waiver thresholds depend on issuer spend criteria.
Net value₹2,200
Estimated savings per year.
Reward Rate Breakdown
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
AU ABC Pro Credit Card
Annual fee: ₹499
Shared focus: RewardsHigher top earn rate (2.5%)Estimated +₹1,501/yr value
View DetailsAU Altura Plus Credit Card
Annual fee: ₹499
Shared focus: RewardsHigher top earn rate (2.0%)Estimated +₹1,501/yr value
View DetailsAU Altura Credit Card
Annual fee: ₹199
Shared focus: RewardsHigher top earn rate (1.5%)Estimated +₹1,321/yr value
View DetailsLounge 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: NoTrack lounge eligibility for Kosmo (Kiwi) 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
Annual fee waiver thresholds depend on issuer spend criteria.
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 availableAirport-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.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
Key Benefits
- AU Bank, in association with popular app Kiwi, has launched an all-new Kosmo Credit Card. Learn all of its features and
- Cross-check fee waiver, reward caps, and excluded MCC lists on latest issuer terms.
- Review transfer/redemption constraints periodically if this card is used for points strategy.
- Use this card in a stack where its strongest spend lanes are clearly separated.
Things to Consider
- Reward caps, MCC exclusions, and partner conversion limits can reduce realized returns.
- Offer windows, transfer ratios, and eligibility checks can change without prior notice.
- Annual fee and waiver thresholds should be re-validated on issuer terms before applying.
About Kosmo (Kiwi)
Kosmo (Kiwi) is a points card from AU Small Finance, best for balanced everyday rewards accumulation. It is tagged under rewards categories in our database.
Rewards
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Frequently asked questions
Is Kosmo (Kiwi) lifetime free?
It has an annual fee of ₹500. Annual fee waiver thresholds depend on issuer spend criteria.
What rewards does Kosmo (Kiwi) offer?
AU Bank, in association with popular app Kiwi, has launched an all-new Kosmo Credit Card. Learn all of its features and benefits.
Does Kosmo (Kiwi) include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider Kosmo (Kiwi)?
Balanced everyday rewards accumulation
Where can I apply for Kosmo (Kiwi)?
Check the issuer website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-24
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.