AU Small Finance Bank and KIWI Launch ‘AU KOSMO Credit Card’ on Rupay Network with UPI Integration.

In September 2025, AU Small Finance Bank (AU SFB), India’s largest small finance bank, in partnership with KIWI, a leading credit company on the Unified Payments Interface (UPI) platform, launched the ‘AU KOSMO Credit Card’ in India.

      - The card is built on the Rupay Network and integrates UPI payments for both online and offline transactions, aligning with the growing preference for UPI-based banking.

      - The AU KOSMO Credit Card is tailored for first-time credit card users and young professionals, offering a seamless digital onboarding process, inclusive banking benefits, and a zero-cost annual structure to encourage wider adoption.

Main Point :-   (i) The card allows transactions through any UPI-enabled merchant QR code without requiring a physical card, making it convenient and fully digital. It also provides customers with rewards on every UPI and online purchase, reinforcing its tech-enabled and user-friendly approach.

      (ii) Additionally, the AU KOSMO Credit Card supports savings on fuel purchases with a 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5000 across all fuel stations in India, making it a practical choice for everyday needs.