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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
AU SFB
entry
•••• •••• •••• 0000
Kosmo
RuPayAU Small Finance Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
1.50%
Foreign Tx Fee
3.49%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹8,820
Blended 1.41% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Lifetime free card by AU Small Finance Bank in partnership with Kiwi; UPI-linkable. Earns Kiwi rewards (1 kiwi = Rs 0.25) on groceries, fuel, dining, online shopping, POS and UPI spends. Premium users earn up to 5% cashback. Xpress EMI available. No lounge/travel/insurance benefits. Cash advance 2.5%; interest 3.75%/month.