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AU Small FinanceSpontRuPay

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AU Small Finance Bank · Cashback

Reviewed by Chandan Kumar Dash

1% cashback on all transactions; coins on UPI transactions via AU 0101 app.

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Joining fee

₹299

Annual fee

₹299

Waiver spend

–

Forex markup

3.49%

Fee waiver

No spend-based waiver listed by the bank.

Recent changes

• 30 September 2026Worse for you

  The fuel surcharge waiver is capped at Rs 100 a statement month, under the schedule of charges dated 30 September 2026.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 1% cashback on all spends, including UPI

No rewards on education, fuel, insurance, rent.

Airport lounges

• Domestic: 2 visits a quarter

Needs ₹50,000 spend in the previous quarter

Who can apply

• Age 21 to 65

Resident Indian. Salaried 21 to 60 years; self-employed 25 to 65 years

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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