In India’s fast-evolving payment landscape, UPI has become the preferred choice for everyday transactions. For years, UPI was linked only to bank accounts. But today, users can pay with credit cards on UPI — and AU Small Finance Bank’s offerings are leading this trend.
What makes UPI credit cards issued by AU Small Finance Bank different from others? Let’s break it down clearly.
1. A Native RuPay Credit Card with UPI Compatibility
Not all credit cards can be linked to UPI.
Only RuPay credit cards can be added to UPI apps for QR-based payments. AU Small Finance Bank issues RuPay cards, which makes them inherently compatible with UPI payments without extra steps.
This integration lets users pay at any merchant QR using their credit card — even at places that traditionally only accepted bank-linked UPI payments. It’s a key advantage for users who want credit-powered spending everywhere.
2. Designed for Daily and Offline UPI Spending
Most traditional credit cards focus on online transactions, big purchases, or lifestyle rewards.
But AU’s RuPay credit cards — especially the AU KOSMO Credit Card — are built for everyday real-world usage. You can use them at:
- Kirana stores
- Tea stalls and local food vendors
- Vegetable and milk shops
- Salons and barbers
- Big retail and restaurant chains
This means your everyday offline spends can earn rewards — all while using UPI
3. Simple, Transparent Costs with Lifetime Free Card
Cost worries can put users off newer credit innovations. AU Small Finance Bank removes this barrier.
The AU KOSMO Credit Card comes with:
- Lifetime free usage
- No joining or renewal fee
This makes the card affordable for first-time and frequent UPI users alikeAdditionally, a 1% fuel surcharge waiver on eligible fuel transactions helps users save more on common spends.
4. Wide Reward Support via Kiwi Rewards
AU’s UPI-ready cards are popular with fintech platforms like Kiwi because they can support modern reward structures. For example, with the AU KOSMO Credit Card, users earn Kiwi Rewards on spending categories that matter — including UPI Scan & Pay, contactless, POS, and e-commerce transactions.This reward mechanism makes everyday transactions more rewarding and encourages repeat usage.
5. Contactless and Xpress Features Add Value
AU Small Finance Bank adds practical usability features that matter day-to-day:
- Contactless payments make small transactions fast and secure
- Xpress EMI conversion lets users convert larger spends into manageable monthly installments through simple digital channels.
These extras boost the card’s usefulness beyond basic UPI payments.
6. Broad Acceptance Across India
A UPI credit card is only as useful as where it’s accepted. AU’s RuPay credit cards work at any UPI-enabled merchant that hasn’t disabled credit card transactions on the QR. This includes both small local shops and large chains
This broad acceptance helps users feel confident using the card everywhere they already use UPI.
7. Backed by AU’s Digital-First Execution
AU Small Finance Bank pairs traditional banking strength with digital innovation. Its credit card portfolio includes multiple variants for different user needs, from travel to cashback and lifestyle perks. The KOSMO card, in particular, merges digital convenience with modern reward mechanics.
Summary — What Makes AU’s UPI Credit Cards Special?
- Native RuPay support for UPI linking
- Everyday spending focus
- Lifetime free cost structure
- Real rewards with Kiwi integration
- Fast, contactless, and flexible features
These factors make AU Small Finance Bank’s UPI credit cards ideal for the 2025 payment landscape where users increasingly want simplicity, rewards, and value in their daily digital spends.
