Weekend spending is common for many people, whether it is shopping online, ordering food, or watching movies. To make these expenses more rewarding, AU Small Finance Bank has introduced a new co-branded credit card called the AU Fi MagniFi Credit Card.
This card is designed for users who spend more on weekends and want to earn rewards on their lifestyle purchases. The bank has positioned it as a lifetime free credit card, meaning there are no joining fees and no annual charges.
The card focuses mainly on weekend cashback, lifestyle discounts, and rewards on everyday spending.
If you are exploring more options, you can also compare other credit cards that offer cashback and lifestyle benefits.
Key Features of AU Fi MagniFi Credit Card
The AU Fi MagniFi Credit Card offers a combination of cashback, discounts, and lifestyle perks.
Main Features
- Lifetime free credit card with no joining or annual fees
- 5% cashback on weekend spending
- 0.5% cashback on weekday purchases
- 20% discount on select lifestyle brands
- Contactless payments for faster transactions
- Option to add supplementary cards for family members
These benefits make the card useful for people who frequently shop, order food, or spend on entertainment during weekends.
Cashback and Discounts
The card offers multiple ways to save money through cashback and brand discounts.
Weekend Cashback
The 5% weekend cashback is the main highlight of the card, as many users tend to shop and spend more during weekends.
Brand Discounts
Cardholders can also enjoy 20% discounts on selected lifestyle brands.
These discounts can help users save on food delivery, shopping, and entertainment.
Limitations of the Card
While the card offers useful benefits, there are some conditions users should be aware of.
Important Limitations
- The 20% discount is capped at ₹100 per month
- Minimum transaction value of ₹500 is required for the discount
- The 5% cashback is available only during weekends
- Users need to redeem Fi-Points actively to use the rewards
Because of these limits, the card works best for people who regularly spend during weekends.
Who Should Consider This Card
The AU Fi MagniFi Credit Card may be a good option for:
- People who spend more on weekends
- Users who frequently order food or shop online
- Customers looking for a lifetime free credit card
- Users who want simple cashback without high annual fees
However, users who want higher cashback rates or broader rewards may also explore other cashback credit cards available in the market.
Bottom Line
The AU Fi MagniFi Credit Card is a lifestyle-focused credit card designed mainly for weekend spending and everyday purchases. With its lifetime free structure, 5% weekend cashback, and brand discounts, it provides decent value for users who frequently spend on shopping, food delivery, and entertainment.
Although the discount caps and redemption requirements limit some benefits, the card still offers simple rewards without annual fees, making it attractive for many users.
If your spending usually happens during weekends and you want a card that rewards those purchases, the AU Fi MagniFi Credit Card could be a practical option.
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