AU Small Finance Bank
AU Spont Credit Card
rupayclassiccreditshopping
Annual Fee
₹299
Base Reward
1% cashback
Foreign Markup
3.5%
4.4/5
Welcome Benefits
N/A
Product Highlights
- Earn 1% cashback on all UPI spends
- Free railway lounge access
Category Rewards
other
1% Cashback on All UPI Spends
1%
Rewards Details
1% cashback on all UPI spends, capped at ₹500 per statement cycle.
Redemption
N/A
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spending ₹20,000 in a Calendar Quarter) International: N/A Free access to airport and railway lounges across India.
Pros & Cons
Pros
- Low joining fee of ₹299
- Free access to airport lounges
Cons
- Low cashback rate
- High spending requirement for maximum cashback
Additional Info
The card comes in both physical and virtual variants.
Maximum cashback of ₹500 can be earned in a month.
Maximum cashback of ₹500 can be earned in a statement cycle.
Excluded Categories
fuelrentcash withdrawalsEMIsinsurance spends
Fees & Charges
Annual Fee₹299
Joining Fee₹299 + GST
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% of the Withdrawn Amount or ₹500 Whichever is Higher
Eligibility
Salaried
₹0.1L+
Networks
rupay