AU Small Finance Bank & CheQ Launch ‘CheQ AU Credit Card’ with LED Tap Feature

AU Small Finance Bank has partnered with CheQ to introduce a new co-branded credit card aimed at modern users. The newly launched CheQ AU Credit Card focuses on rewarding everyday spends, bill payments, and UPI transactions through a unified rewards ecosystem.

What makes this card stand out is its LED-enabled tap feature, a first-of-its-kind innovation in India.

CheQ AU Credit Card Variants & Fees

The card is available in multiple variants to suit different users:

• Visa Variant: ₹499 annual fee
• RuPay Variant: Lifetime free (LTF)
• LED Premium Variant: ₹1,499 annual fee (currently waived till 31 May 2026)

The LED variant lights up during tap-to-pay transactions, offering a unique and visually appealing payment experience.

Key Features of CheQ AU Credit Card

All rewards are earned as CheQ Points, which can be redeemed within the CheQ app.

Reward Structure

• Up to 12% rewards on:
  • Apple products (via Unicorn)
  • Amazon, Flipkart
  • Zomato, BigBasket
  • CheQ Travel & bill payments
• 5% rewards on:
  • Food delivery
  • Online shopping
  • Quick commerce
  • Travel spends
    (10 CheQ Points per ₹200)
• 2.5% rewards on:
  • UPI transactions (via RuPay variant)
• 1% rewards on:
  • All other spends

What Makes This Card Unique?

LED Tap-to-Pay Feature

This is India’s first credit card with an LED interaction. The card lights up when tapped for payments, making transactions more engaging.

While the feature is more aesthetic than functional, it adds a premium and futuristic touch.

Who Should Consider This Card?

This card is best suited for:

• Users who frequently pay bills via CheQ
• Online shoppers (Amazon, Flipkart, Zomato, etc.)
• UPI users looking for rewards
• Young users who prefer app-based reward tracking

Availability & Application Details

• Applications open from: 28 April 2026
• Likely available only for new-to-bank customers

AU Bank currently follows a one credit card per customer policy, which may limit access for existing users.

Upcoming AU Ananta Credit Card (Expected)

Alongside this launch, AU Bank is also expected to introduce the AU Ananta Credit Card, a premium offering.

Expected Features

• Up to 50,000 bonus reward points on ₹10 lakh annual spends
• 8,000 welcome bonus points
• Up to 5X reward points on select categories
• Airport lounge access
• Travel & lifestyle benefits

This card may target premium users looking for travel-focused benefits.

Bottom Line

The CheQ AU Credit Card is an innovative entry into the co-branded credit card space. With features like LED tap payments, strong rewards on online spends, and UPI benefits, it is clearly designed for digital-first users.

However, limited availability and ecosystem-based rewards may restrict its appeal for some users.

Still, for CheQ users and frequent online spenders, this card can offer good value.