Au Amazon Pay Credit Card
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Community Consensus
Consensus Note: Au Amazon Pay Credit Card issued by AU Small Finance Bank remains a flagship choice for Partner merchant spends. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Au Amazon Pay Credit Card issued by AU Small Finance Bank offers competitive value for Partner merchant spends. Audit your monthly spending against its N/A fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of N/A
- ⚡ Lounge access policy: None or varies by variant
- ⚡ Reward rate: 5% Cashback on partner merchants
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: Au Amazon Pay Credit Card
Community Verdict
[!NOTE] Our Take: The ultimate shopping assistant. If you find yourself checking out of Flipkart, Amazon, Swiggy, or Zomato weekly, this card is designed to maximize your e-commerce discounts. It provides instant bank checkout deals and robust co-branded returns that quickly add up.
Pros
- Co-branded Checkout Perks: Instant discounts and checkout offers during major festive sales.
- Partner Merchant Boost: Earn high rewards or direct cash savings on online shopping partner apps.
- Nominal Annual Fees: Extremely affordable joining fees that are easily waived off on minimal annual spends.
Cons
- Merchant Lock-in: The best reward rates are strictly restricted to preferred online partners.
- Offline Spends Devalued: Returns on physical retail or local neighborhood stores are very low.
- No Travel Perks: Lacks premium benefits like zero forex markup or complimentary lounge vouchers.
Reward Spends & Categories
Understanding how your card earns is critical to maximizing your monthly budget. The Au Amazon Pay Credit Card delivers a reward yield of 5% Cashback on partner merchants with the following earning rates per category:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels | 1% flat rewards |
| 🛍️ Online Shopping | 1.5% rewards online |
| 🛒 Offline / Retail Spends | 1% cashback/points |
| 🏛️ Government Spends | 0% (Government transactions excluded) |
| 🏠 Rent Transactions | 0% (1% fee capped at ₹250 + GST) |
Reward Point Redemption Value
When redeeming your accumulated points, select the highest value redemption channel:
- Cash / Statement Credit: Value of 1 Point = ₹0.25
- Airmiles (Flight Transfers): Value of 1 Point = 0.25 Airmile per point
- Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25
Airport Lounge & Travel Perks
Lounge accessibility is currently one of the most volatile card benefits in India. This card offers: None or varies by variant.
[!TIP] With multiple banks implementing quarterly spend-based criteria, make sure you meet the baseline thresholds in the preceding quarter to prevent lounge access declines at the terminal.
Data Verification
- Verification Tier: PARTIALLY VERIFIED
- Editorial Feeds: N/A
- Last Status Update: 6/7/2026
For official terms, interest rates, and applications, refer to the Bank Reference Page.