All Cards
rupayclassiccredit
AU Spont Credit Card
AU Small Finance Bank
shopping
Annual Fee
₹299
Joining Fee
₹299 + GST
Base Reward
1% cashback
Foreign Markup
3.5%
Interest Rate
3.75% per month
Welcome Benefits
N/A
Product Highlights
- Earn 1% cashback on all UPI spends
- Free railway lounge access
Rewards
1% cashback on all UPI spends, capped at ₹500 per statement cycle.
Redemption
N/A
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
other | 1%(1% Cashback on All UPI Spends) | No cap |
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.
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Cash Advance2.5% of the Withdrawn Amount or ₹500 Whichever is Higher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
Min Income (Salaried)
₹10,000
Available Networks
rupay
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