Card Details
AU SPONT Credit Card
AURUPAY
Card Issuer
AU Bank
Joining Fee
₹299
Annual Fee
₹299
Reward Type
Cashback
Card Access
Standard
Earn Points
1%
On all transactions including ecomm, pos, contactless, and upi
1%
On pos and contactless transactions
1%
On upi transactions
Benefits
Welcome Benefits
1% cashback on UPI spends
- 1% cashback on all transactions
- 1% cashback on all transactions including UPI
Fuel
1% fuel surcharge waiver with statement-cycle cap
- 1% cashback on UPI transactions
- Earn never-expiring Coins on UPI transactions
- 1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions
- 1% fuel surcharge waiver up to ₹100 per statement cycle
- 1% fuel surcharge waiver
Lounges
2 railway lounge visits per calendar quarter
Things to Keep in Mind
Domestic airport lounge access requires ₹50,000 quarterly spend.
Fuel surcharge waiver is only for transactions between ₹400 and ₹5,000 and capped at ₹100 per statement cycle.
UPI transactions on RuPay credit card are for domestic merchants only.
UPI registration requires same mobile number linked with UPI app and card records.
RuPay card must be re-linked on UPI apps after card renewal.
