Skip to content
Compare Cards
AU RuPay credit card

AU Small Finance Bank

AU RuPay Credit Card

Best for rewards, upi, lifetime-free

Lifetime free · 2x rewards

RuPay Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

2x

Min. income

₹1,50,000

Forex markup

3.5%

Lounge access

None

Eligibility

₹1.50 lakh/yr · CIBIL 650+

Reward cap

₹1,000/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Rewards optimiser
  • Fee-averse spender

What we like

  • UPI cashback

Watch out for

  • 3.5% foreign-transaction markup
  • 2.5% cash-advance fee

Issuer

Bank

AU Small Finance Bank

Small finance bank

All AU Small Finance Bank cards →

Headquarters

Jaipur, Rajasthan

Established 2017

Toll-free

1800-120-1234

Website

www.aubank.in

Network

RuPay

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Not waivable
Forex markup 3.5% Not waivable
Late payment ₹500 Not waivable
Cash advance 2.5% of amount Not waivable
Fuel surcharge 1% Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 1.00 — 0.25
ONLINE 2.00 ₹1,000/month 0.25

Benefits

  • UPI cashback Highlight

    2X reward points on UPI spends — 2X

  • Welcome benefits

    Welcome benefits on card activation

  • Milestone vouchers

    Annual milestone vouchers on qualifying UPI spends

Eligibility

Age
18–65 years
Min. income
₹1,50,000
Min. credit score
650+
Employment
Salaried, self-employed, student
Documents
Lifetime-free UPI card

AU RuPay Credit Card is a RUPAY credit card from AU Small Finance Bank. It is best suited for rewards, upi, lifetime-free.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 2X rewards on UPI

Eligibility

Lifetime-free UPI card

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for AU RuPay Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the AU RuPay Credit Card worth it?
AU RuPay Credit Card is a credit card issued by AU Small Finance Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the AU RuPay Credit Card?
AU RuPay Credit Card is a lifetime-free card with no annual or joining fee.

How does the AU RuPay Credit Card reward rate work?
AU RuPay Credit Card earns 2x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the AU RuPay Credit Card?
To qualify for AU RuPay Credit Card, you typically need: minimum annual income ₹1,50,000; CIBIL score of 650+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

Does the AU RuPay Credit Card offer airport lounge access?
AU RuPay Credit Card does not publish complimentary airport lounge access as a benefit.

What is the forex markup on the AU RuPay Credit Card?
AU RuPay Credit Card charges a 3.5% foreign-transaction markup on international purchases.

← All credit cards · All AU Small Finance Bank cards · All RuPay cards