{"id":86251,"date":"2026-04-13T15:39:08","date_gmt":"2026-04-13T10:09:08","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86251"},"modified":"2026-04-13T15:39:16","modified_gmt":"2026-04-13T10:09:16","slug":"au-kosmo-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/au-kosmo-credit-card\/","title":{"rendered":"Earn Rewards with the AU Kosmo Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comes with no joining and annual fees.\u00a0<\/li>\n\n\n\n<li>Offers 1% fuel surcharge waiver (up to \u20b9100) on eligible transactions.<\/li>\n\n\n\n<li>Finance charges of 3.75% monthly (45% annually) apply.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#au-kosmo-credit-card-benefits\">AU KOSMO Credit Card Benefits<\/a><\/li><li><a href=\"#au-kosmo-credit-card-xpress-emi-feature\">AU Kosmo Credit Card Xpress EMI Feature<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-kosmo-credit-card-benefits\"><strong>AU KOSMO Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits-1024x683.png\" alt=\"AU KOSMO Credit Card Benefits\" class=\"wp-image-86253\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Kosmo-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a 1% fuel surcharge waiver (up to \u20b9100) for transactions between \u20b9400 and \u20b95,000, across all fuel pumps across the country.<\/li>\n\n\n\n<li>Make quick payments up to \u20b95,000 without having to enter your PIN and by just tapping your mobile phone with a digitally added card against a POS machine.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-kosmo-credit-card-xpress-emi-feature\"><strong>AU Kosmo Credit Card Xpress EMI Feature<\/strong><\/h2>\n\n\n\n<p>With the Xpress EMI feature, you can easily convert transactions of \u20b9500 and above with a minimum total value of \u20b92,000 into EMIs. This can be done using any of the following channels:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.au.bank.in\/personal-banking\/digital-banking\/au-0101-mobile-banking-app\" target=\"_blank\" rel=\"noopener\">AU 0101 App<\/a><\/li>\n\n\n\n<li>Net Banking<\/li>\n\n\n\n<li>WhatsApp Banking<\/li>\n\n\n\n<li>Call 180012001500 for the Interactive Voice Response for help.<\/li>\n<\/ul>\n\n\n\n<p><strong>AU Kosmo Credit Card Charges&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Payment Return Charges<\/td><td>2%, or min. \u20b9500<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5%, or min. \u20b9500<\/td><\/tr><tr><td>Duplicate Statement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Outstation Cheque Processing Charges<\/td><td>\u20b925<\/td><\/tr><tr><td>Card Transfer Charges<\/td><td>\u20b9199+GST<\/td><\/tr><tr><td>Reward Redemption Fees<\/td><td>\u20b999+GST<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>15% of the due amount (Min. \u20b910 and max. \u20b91,300)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Worried about missing your credit card bill payments and paying hefty charges? Get <a href=\"https:\/\/piceapp.com\/\">the Pice app<\/a> and never miss your due date!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>Add-on cardholders should be over 18 years of age.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776072914941\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the exclusions of Kiwi rewards on the AU Kosmo Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Kiwi rewards are not earned on these particular expenses: education, cash, rent, EMI, insurance, government, BBPS and fuel transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776072935220\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Who is eligible to apply for the AU Kosmo Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776072954966\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to apply for the AU Kosmo Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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 &gt; credit cards. After that, you can scroll down to get the option for this credit card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 AU Kosmo Credit Card Xpress EMI Feature With the Xpress EMI [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86251","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86251"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86251\/revisions"}],"predecessor-version":[{"id":86254,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86251\/revisions\/86254"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86252"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}