Entry Level Zero Forex

AU Nexus Credit Card

Name: AU Nexus Credit Card
Brand: AU Small Finance Bank

AU Small Finance Bank

7.0

CardTrail Score

Very Good

out of 10

💰 Net Value

4.0

🔓 Accessibility

9.2

⚡ Feature Depth

4.7

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

Free

Forex Markup

No extra charge

Reward Rate

0.5%

Up to 2%

Lounge Access

domestic | 0 intl

About This Card

The AU Nexus Credit Card is an entry-level credit card from AU Small Finance Bank with lifetime free. It earns rewards at 0.5% on everyday purchases. Key perks include zero forex markup, fuel surcharge waiver. Best suited for first-time card users.

Pros & Cons

Pros

No annual or joining fee
Zero forex markup — great for international use
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

No complimentary lounge access
Below-average base reward rate

Fee Details

Annual Fee

Free

Joining Fee

Free

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

Currency

AU Reward Points

Welcome Bonus

None

Lounge Access

Domestic Lounges

International Lounges

Key Highlights

+ Lifetime free — zero annual fee
+ Zero forex markup on international spends
+ Fuel surcharge waiver at all pumps

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