AU CA Metal Credit Card: A New Entry in India’s Metal Card Segment

The AU CA Metal Credit Card is a newly launched premium credit card by AU Small Finance Bank for Chartered Accountants in India. This metal credit card is lifetime free and focuses on professional spending like tax payments software purchases travel and dining. With this launch AU Bank has entered India’s growing metal credit card segment with a product made for a specific profession.

Unlike many metal credit cards in India that target luxury users this card focuses on real financial needs of CAs. It offers high reward points on useful categories along with lounge access insurance cover and Visa Signature benefits.

Exclusive Credit Card for Chartered Accountants in India

The AU CA Metal Credit Card is available only to Chartered Accountants. Both salaried and self-employed CAs can apply for this credit card. The product is designed to support professional expenses that are common in a CA’s daily work. Chartered Accountants often make large payments for taxes accounting software audits and client travel. This credit card rewards such expenses instead of focusing only on shopping or entertainment. This makes it a practical credit card for Indian professionals.

Lifetime Free Metal Credit Card with No Annual Fee

One of the biggest advantages of the AU CA Metal Credit Card is that it is a lifetime free credit card. You do not have to pay any joining fee or yearly fee.

Most metal credit cards in India charge high annual fees with spend conditions. This card removes that concern completely. Chartered Accountants can hold and use this metal credit card without worrying about yearly charges.

Reward Points Structure Explained Simply

The AU CA Metal Credit Card reward system is built around CA friendly spending categories.

• Cardholders earn 8 reward points on dining travel tax payments and software purchases. These are high usage categories for professionals.
• For other regular transactions cardholders earn 2 reward points for every 100 rupees spent. Utility bills and insurance premiums earn 1 reward point.
• No reward points are earned on cash withdrawals rent education payments government transactions fuel EMIs BBPS and quasi cash spends.
• There are reward caps to prevent misuse. Utility and telecom spends are limited to 100 reward points per transaction. The accelerated reward categories are capped at 5000 reward points per statement cycle.

Welcome Benefits for New Cardholders

New AU CA Metal Credit Card users receive simple and achievable welcome benefits. Cardholders get 2000 bonus reward points by spending 5000 rupees within 30 days of card activation. This target is easy to achieve through routine usage.

A dining membership is also offered on spending 10000 rupees within the first 30 days. This increases the initial value of the card.

Discount on ICAI Membership Fee Renewal

A unique feature of the AU CA Metal Credit Card is the ICAI membership renewal benefit. Cardholders receive a flat 25 percent discount on renewing their annual ICAI membership fee. This benefit directly lowers yearly professional expenses and is rarely offered on regular credit cards in India.

Travel Benefits Including Lounge Access

The AU CA Metal Credit Card offers useful travel benefits for busy professionals.

Cardholders receive up to 2 complimentary domestic airport lounge access per calendar quarter in India. Lounge access is available when the card is purchase active during that quarter.

The card also offers a low foreign currency markup of 1.99 percent on international transactions. This is helpful for foreign travel and international software payments.

Visa Signature Concierge Services

Being issued on the Visa Signature network the AU CA Metal Credit Card offers global concierge services. Cardholders can get support for travel booking hotel reservations event planning dining bookings and leisure activities. This adds convenience for professionals with limited time.

Fuel Surcharge Waiver and EMI Facility

The card provides a 1 percent fuel surcharge waiver on fuel transactions between 400 and 5000 rupees. The maximum fuel surcharge waiver is limited to 250 rupees per statement cycle.

It also offers zero processing fee on Xpress EMI conversions. Transactions of 2000 rupees or more can be converted into EMIs using the AU 0101 App net banking WhatsApp banking IVR or customer care.

AU Rewardz Redemption Options

Reward points earned through the AU CA Metal Credit Card can be redeemed through the AU Rewardz platform.

Redemption options include brand vouchers merchandise mobile recharge DTH recharge and flight or hotel bookings. This ensures reward points are easy to use and valuable.

Insurance Cover and Security Features

The AU CA Metal Credit Card comes with strong insurance and protection benefits. It offers an air accident cover of 50 lakh rupees. Cardholders also enjoy zero liability on fraudulent transactions after reporting card loss.

Additional protection includes coverage against online fraud card skimming counterfeit transactions purchase protection credit shield and travel related insurance benefits like baggage loss and flight delays.

Eligibility Criteria for AU CA Metal Credit Card

The eligibility rules for this credit card are straightforward. 

• Salaried and self-employed Chartered Accountants aged between 21 and 65 years can apply. 
• Add on card users should be 18 years old or above.
• Only resident Indians are eligible to apply. 
• AU Small Finance Bank may approve or reject applications based on internal assessment.

Bottom Line

The AU CA Metal Credit Card is one of the most practical metal credit cards launched in India for professionals. It offers a lifetime free metal card high reward points on tax related spending ICAI membership discount lounge access and strong protection benefits.

For Chartered Accountants looking for a premium credit card that supports professional expenses without annual charges this card is a strong option in the Indian credit card market. You can apply AU Bank Credit Cards using the Apply Now button provided below.