How AU Fi MagniFi Credit Card Helps Save on Weekend Spends

Weekends are when most people in India spend money on shopping, dining, entertainment, and groceries. From ordering food on Zomato to booking movies on BookMyShow or shopping on Amazon and Zepto, these expenses can add up fast. For someone on a monthly budget, weekend spending can be a big part of monthly expenses.

The AU Fi MagniFi Credit Card is designed to help users save money on weekend spends. It gives rewards for weekend purchases and is lifetime free, meaning no joining fee or annual fee. In this article, we explain how this card works and how it can help you save on everyday weekend expenses.

What is AU Fi MagniFi Credit Card

The AU Fi MagniFi Credit Card is a co-branded credit card offered by AU Small Finance Bank for Fi app users. It is designed for weekend spending and lifestyle purchases.

Key features:

• Lifetime free: No joining or annual fee, no minimum spending required.
• Weekend rewards: Higher rewards on transactions done on Saturdays and Sundays.
• Lifestyle spending: Ideal for shopping, food delivery, entertainment, and daily purchases.

It is suitable for anyone who wants rewards without extra costs.

Why Weekend-Focused Credit Cards Matter in India

In India, most people get paid monthly but spend most of their lifestyle budget on weekends. Shopping, dining, and entertainment mostly happen during free time on Saturdays and Sundays.

Popular brands like Amazon, Zomato, Zepto, and BookMyShow see a lot of activity during weekends. A credit card that gives extra rewards during these days helps users save on expenses they already have.

The AU Fi MagniFi Credit Card fits this pattern perfectly by focusing on weekend rewards.

Key Benefits of AU Fi MagniFi Credit Card

1. 20% Discount on Popular Weekend Brands

This card offers a 20% discount on weekend spends at popular platforms:

• BookMyShow – Movie tickets and events
• Amazon – Online shopping
• Zomato – Food delivery
• Zepto – Groceries

Offer Details:

• Available once a month
• Minimum transaction: ₹500
• Maximum discount: ₹100

Even with a cap, this discount gives direct savings for regular weekend activities like food, groceries, or movies.

2. 5% Back on Weekend Spends

The card gives 5% cashback on eligible weekend spends, online and in-store.

Details:

• Earn 20 Fi Points per ₹100 spent (4 points = ₹1 → 5% reward)
• Monthly cap: 2000 Fi Points (₹500)
• Reward period: Saturday 12:00 am – Sunday 11:59 pm

This is helpful for regular weekend spenders and adds noticeable savings each month.

3. Weekday Rewards

Even on weekdays, you can earn rewards, though lower:

• 0.5% cashback from Monday to Friday
• Earn 2 Fi Points per ₹100 spent
• Monthly cap: 2000 Fi Points (₹500)

This ensures the card is useful for regular expenses like groceries, bills, and online shopping.

Fi Points and Redemption Options

All rewards are credited as Fi Points, which can be redeemed through the Fi Money app.

Redemption options include:

• Paying credit card bills
• Converting points into airline miles
• Gift vouchers at up to 50% discount

Fi Points give flexibility, and users should check expiry rules in the app and redeem points on time.

Excluded Categories and Reward Limits

Some transactions do not earn rewards:

• EMI payments
• Fuel
• Rent or insurance
• Government and education payments

Both weekday and weekend rewards have monthly caps. Knowing these limits helps you plan spending better and get the most out of the card.

Other Useful Features

Contactless Payments

• Transactions up to ₹5000 without PIN
• Quick and convenient for shopping, dining, and groceries

Xpress EMI Facility

• Transactions of ₹500+ (minimum total ₹2000) can be converted to EMIs
• Can be done via AU 0101 app, net banking, Auro chatbot, WhatsApp banking, customer care, or IVR
• Helps manage bigger purchases without affecting monthly budget

Add-On Cards for Family Members

• Available for family members 18 years and above
• Spending on add-on cards earns rewards for the main account
• Useful for tracking family expenses easily

Eligibility Criteria

• Resident Indian Fi app users
• Salaried: Age 21–60 years
• Self-employed: Age 25–65 years
• Add-on cardholders: Minimum 18 years

Bottom Line

The AU Fi MagniFi Credit Card is great for anyone who spends more on weekends. With 20% discounts on popular brands, 5% back on weekend spends, and lifetime free structure, it offers real savings for lifestyle expenses.

There are caps and some exclusions, but the card still delivers consistent value for weekend and weekday spending. For people who want to make their weekend expenses more rewarding without paying annual fees, the AU Fi MagniFi Credit Card is a smart and cost-effective choice.