cashback
AU Kosmo Credit Card
A lifetime-free RuPay card centred on cashback for UPI Scan & Pay transactions through the Kiwi ecosystem.
Annual Fee
Lifetime-free
Rewards
1.5% cashback on eligible UPI Scan & Pay transactions via Kiwi; 0.5% cashback on eligible online payments
Lounge Access
No complimentary airport lounge benefit confirmed as a standard base-card feature
Fuel Waiver
1% on ₹400–₹5,000, capped at ₹100/statement cycle
Milestone
Not confirmed
Best For
UPI-first users who regularly make merchant QR payments
Welcome Offer
Not confirmed
Type
Cashback
Description
The AU Kosmo Credit Card is a lifetime-free RuPay credit card integrated with the Kiwi rewards ecosystem. AU states that eligible spends through Kiwi UPI Scan & Pay, e-commerce, POS and contactless channels earn Kiwi rewards, while Kiwi's current official card listing specifies 1.5% cashback on eligible UPI Scan & Pay transactions and 0.5% cashback on eligible online payments. The card has no joining or annual fee and includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle. It is best suited to users who route a significant portion of their daily merchant payments through UPI.
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