Use for eligible UPI and small everyday transactions until the monthly cashback cap is reached
Cashback is capped at ₹500 per statement cycle
Latest change: Corrected AU SPONT economics from current AU issuer page and schedule-of-charges
For RuPay UPI users who want simple capped cashback and low-fee lounge access. 1% on general spend. ₹299 fee, waiver at ₹299 / year. Lounge rule: ₹20,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
RuPay UPI users who want simple capped cashback and low-fee lounge access
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Users spending consistently in co-brand supported categories
Users wanting a low-fee AU card for shopping and dining spends
Users with mostly online spends who want a no-fee AU option
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹299
Issuer schedule lists AU SPONT joining/annual fee at ₹299 + applicable taxes.
General spend
Adjust your estimated monthly spend to see the personalized annual value after fees.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
2 domestic • 0 international policy count
Card-level policy notes: • Get 2 complimentary domestic airport lounge accesses per quarter after ₹20,000 spends in the calendar quarter. • Domestic lounge access is spend-gated at ₹20,000 in the calendar quarter. Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.