Earn Rewards with the AU Kosmo Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

13 Apr 26
2 mins

Sandipan Mitra

08 Mins
13-04-26

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Table of Contents

AU KOSMO Credit Card Benefits
AU Kosmo Credit Card Xpress EMI Feature

Comes with no joining and annual fees.
Offers 1% fuel surcharge waiver (up to ₹100) on eligible transactions.
Finance charges of 3.75% monthly (45% annually) apply.

The AU Kosmo Credit Card is a lifetime free card. It grants cardholders benefits like fuel surcharge waiver, PIN-less payments and easy conversion of transactions into EMI. Read on to know all about what this card entails.

AU KOSMO Credit Card Benefits

Get a 1% fuel surcharge waiver (up to ₹100) for transactions between ₹400 and ₹5,000, across all fuel pumps across the country.
Make quick payments up to ₹5,000 without having to enter your PIN and by just tapping your mobile phone with a digitally added card against a POS machine.

AU Kosmo Credit Card Xpress EMI Feature

With the Xpress EMI feature, you can easily convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMIs. This can be done using any of the following channels:

AU 0101 App
Net Banking
WhatsApp Banking
Call 180012001500 for the Interactive Voice Response for help.

AU Kosmo Credit Card Charges

Parameters	Charges
Finance Charges	3.75% monthly or 45% annually
Payment Return Charges	2%, or min. ₹500
Overlimit Charges	2.5%, or min. ₹500
Duplicate Statement Fee	₹100
Outstation Cheque Processing Charges	₹25
Card Transfer Charges	₹199+GST
Reward Redemption Fees	₹99+GST
Late Payment Charges	15% of the due amount (Min. ₹10 and max. ₹1,300)

💡Worried about missing your credit card bill payments and paying hefty charges? Get the Pice app and never miss your due date!

Footnote

Add-on cardholders should be over 18 years of age.

FAQs

What are the exclusions of Kiwi rewards on the AU Kosmo Credit Card?

Kiwi rewards are not earned on these particular expenses: education, cash, rent, EMI, insurance, government, BBPS and fuel transactions.

Who is eligible to apply for the AU Kosmo Credit Card?

Primary cardholders who are self-employed need to be between the ages of 25 and 65 years old. On the other hand, the salaried applicants need to be between the ages of 21 and 60 years to apply for the card.

How to apply for the AU Kosmo Credit Card?

You can easily apply for the AU Kosmo Credit Card through the Kiwi app. Or you can directly apply it from the AU official site and then click on cards > credit cards. After that, you can scroll down to get the option for this credit card.