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AU Small Finance Bank

AU CA Metal Credit Card

A physically metal card marketed toward Chartered Accountants with a 25% ICAI membership-fee cashback, but — like its AU CS sibling — the issuer's own formal eligibility criteria carry no CA-membership restriction at all.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
31 August 2026
AU CA Metal Credit Card

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
1.99%

Rewards

reward points

  • dining, travel-flights, travel-hotels: 8 points / ₹100Dining, travel, tax payments, and software purchases — capped at 5,000 Reward Points per statement cycle
  • everything-else: 8 points / ₹100Business and personal spends generally

Milestone rewards

  • ₹5,000 spend: 2,000 Bonus Reward Points

No ₹-per-point redemption value is disclosed. Also includes a flat 25% cashback on the cardholder's annual ICAI membership-fee payment, mirroring AU CS's ICSI benefit — not modelled as a spend-category rule. Points capped at 25,000/statement cycle, on top of the 5,000-point accelerated-category sub-cap. Also includes up to ₹50 lakh Air Accident cover, higher than the generic complimentary cover on most other AU Bank cards.

Travel

Domestic lounge
2/quarter
Domestic lounge
8/year
Forex markup
1.99%

2 complimentary domestic AIRPORT lounge visits per quarter (8/year). Carries real priority-servicing signals (a dedicated priority-service email, an elevated ₹2,500+tax reissue fee shared only with Zenith+) but is NOT listed among the MITC's confirmed Priority Pass/international-lounge cards, so no international lounge benefit is recorded.

Eligibility

Minimum age
21 years
Employment
salaried, self-employed

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • It includes airport lounge access, useful if you travel by air a few times a year.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 31 August 2026

View issuer page ↗

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ICICI Bank

An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge