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    <title>AU SPONT RuPay Credit Card: Cashback &amp; Never-Expiring Coins on Every Payment</title>
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    <description>The AU SPONT RuPay Credit Card offers 1% cashback on eligible UPI and retail transactions and awards never expiring Coins for UPI payments (including a welcome credit), with Coins redeemable via the issuer&#039;s reward catalogue. Additional benefits include a fuel surcharge waiver within specified transaction ranges, complimentary lounge access conditional on quarterly spends, Xpress EMI conversion, contactless payment limits, lifetime free add on cards, and fraud protection. The product carries a joining/annual fee and sets eligibility criteria for salaried, self employed, and add on applicants who must be resident individuals; features and charges may change per bank policy.</description>
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    <pubDate>Thu, 11 Sep 2025 15:01:03 +0530</pubDate>
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