AU Small Finance BankVisaBusiness Cashback Credit Card
3.9NeoFinQ editorial rating
Business-focused cashback with low monthly fee
- Affordable monthly fee
- Simple cashback structure
- Railway lounge access
- Joining fee
- ₹499
- Annual fee
- ₹499
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹19,500/yr
Our verdict
Solid choice for small businesses looking to streamline expenses.
Perfect for
- SMB owners
- Business expense management
Not ideal for
- Large enterprises seeking premium features
Pros & cons
- Affordable monthly fee
- Simple cashback structure
- Railway lounge access
- Monthly fee accumulates if threshold not met
Rewards
2% cashback on business categories (Electricity, Water, Gas, etc.) capped at ₹100 per month; 1% cashback on other spends.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 3% |
| Cashback | 5% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary railway lounge visits per calendar quarter
More benefits
- Additional Benefits: 30% discount at partnered restaurants
Fees & charges
| Joining fee | ₹499 |
| Annual fee | ₹499 |
| Renewal fee | ₹499 |
| Fee waiver | Annual Fee waived on retail spends of ₹1,00,000 in a card anniversary year. |
| Waiver threshold | Spend ₹1L/yr |
Eligibility
Min. income (annual)
₹4.5L
Employment
Self Employed / Business
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Find My Best CardBusiness Cashback Credit Card
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