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AU SPONT Credit Card

AU Small Finance Bank |
Beginner Cashback Lifestyle Lounge Access RuPay

Annual Fee

₹299

Rewards/₹100 ⓘ

₹1.00 - ₹252.50

Normalized to balance base rate with bonus categories

Interest Rate

43.08%

Credit Score

700+

At a Glance

Key Benefits

1% cashback (max Rs.500/month), never-expiring coins, fuel waiver, lifetime free add-on cards

Lounge Access

2 domestic airport + 2 railway lounge visits per quarter (needs Rs.20K quarterly spend)

Eligibility

Age 21-60, Min income Rs.10,000/month, CIBIL 700+, Resident Indians only

Quick Details

Annual Fee
₹299 #69
Joining Fee
₹299 #75
Interest Rate
43.08% p.a. #236
Forex Markup
3.49% #73
Rewards/₹100
₹1.00 - ₹252.50 #1
Reward Type Cashback
Reward Currency Cashback
Domestic Lounge Visits
2/year #92
Min Credit Score
700+ #54
Min Monthly Income ₹10
Network RUPAY
Card Replacement Fee 100
Late Payment Fee ₹100
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹100
Over Limit Fee ₹500
Fee Waiver on Spend ₹1,00,000/yr

Reward Structure

Base

All Spends (UPI, POS, Online)

₹1.00 /₹100
Cat

UPI via AU0101 App (Coins)

₹500.00 /₹100

Reward Calculator

₹
Allocate by Category100%
UPI via AU0101 App (Coins)
500.0 pts
60%₹30,000
Other Spends
1.0 pts
40%₹20,000
Your Rewards
Points Earned1,50,200
Cash Value₹1,50,200
Breakdown
UPI via AU0101 App (Coins)1,50,000
Other Spends200
Total Value₹1,50,200
Quick amounts:

Milestone Benefits

Welcome Bonus

500 never-expiring Coins on first UPI transaction via AU0101 app

₹500

value

Annual Benefit

Annual fee waiver on Rs.1 lakh annual spends

Spend ₹1,00,000 within 365 days

₹299

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Requires Rs.20,000 spend in previous quarter

Railway Free
2

visits per quarter

Via Dreamfolks

Insurance Coverage

Lost Card

₹50,000

Zero liability on fraudulent transactions after reporting

Purchase Protection

₹0

Protection against counterfeiting, skimming, and online fraud

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver (Rs.400-Rs.5,000 transactions, max Rs.100/month)

Emi

Xpress EMI on purchases above Rs.500

Contactless

Tap & Pay for transactions up to Rs.5,000 without PIN

Travel

1

EaseMyTrip: Save up to Rs.5K domestic hotels, Rs.10K intl hotels, Rs.1K flights

Dining

1

30% off with EazyDiner (Select Merchants)

Movies

1

BOGO on BookMyShow (Select Shows)

Quick Analysis

AU SPONT is an excellent entry-level lifestyle card offering 1% cashback, never-expiring coins, and generous lounge access at just Rs.299 annual fee. Perfect for those starting their credit journey with regular UPI usage.

Pros

  • 1% cashback on all UPI and retail transactions
  • Never-expiring reward coins on AU0101 app UPI
  • 500 coins welcome bonus on first UPI transaction
  • Low annual fee of Rs.299 with Rs.1L spend waiver
  • 8 airport + 8 railway lounge visits per year
  • Fuel surcharge waiver up to Rs.100/month
  • Lifetime free add-on cards for family
  • Zero liability on lost/stolen card fraud
  • Tap & pay for contactless payments
  • RuPay credit card with UPI support

Cons

  • Cashback capped at Rs.500 per month
  • Lounge access needs Rs.20,000 quarterly spend
  • No cashback on fuel, rent, EMI, insurance
  • High 3.49% forex markup for international use
  • Low 1% base cashback rate
  • 5.59% monthly interest rate (43.08% p.a.)
  • Reward redemption fee of Rs.99 + GST
  • High late payment fees up to Rs.1,300
  • Limited to Rs.10,000 minimum income segment

Best For

Entry-level users, UPI spenders, budget travelers

Not Ideal For

International travelers, premium card seekers

Frequently Asked Questions

What is the annual fee for AU SPONT Credit Card?
The joining and annual fee is Rs.299 + GST. The annual fee is waived if you spend Rs.1 lakh or more in a year.
What is the cashback limit on AU SPONT card?
You get 1% cashback on all eligible transactions (UPI, POS, online), capped at Rs.500 per billing cycle. No cashback on fuel, rent, EMI, insurance, and cash withdrawals.
How do the never-expiring coins work?
Earn 5 coins on each UPI transaction via AU0101 app, plus 500 welcome coins on first UPI payment. These coins never expire and can be redeemed from AU Rewardz catalogue for gadgets and gifts.
What is the lounge access benefit?
Get 2 complimentary domestic airport lounge visits and 2 railway lounge visits per quarter, provided you spend Rs.20,000 in the previous quarter. Total 8 airport + 8 railway visits per year.
What is the eligibility criteria?
Age: 21-60 years, minimum monthly income: Rs.10,000, CIBIL score: 700+. Both salaried and self-employed individuals can apply. Must be Resident Indian.
What documents are required to apply?
PAN Card (mandatory), Identity proof (Aadhaar/Passport/Voter ID/DL), Address proof (utility bill/bank statement), Income proof (salary slips/ITR/Form 16), and Age proof.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on transactions between Rs.400 to Rs.5,000, capped at Rs.100 per statement month.
Are add-on cards free?
Yes, you can get up to 3 lifetime free add-on cards for family members (age 18+) with the same benefits.
What is the interest rate?
The interest rate is 3.59% per month (43.08% per annum). You get up to 48 days interest-free period if you pay the full bill on time.
What is the forex markup?
The foreign currency markup is 3.49% on international transactions.
What are the late payment charges?
Late fees range from Rs.100 (for dues Rs.100-500) up to Rs.1,300 (for dues above Rs.50,000). Plus 18% GST on late fees.
Is there zero liability on lost card?
Yes, you are not liable for any fraudulent transactions after reporting the card loss to the bank. The card also has fraud protection against counterfeiting, skimming, and online fraud.
Can I use this card for UPI payments?
Yes, AU SPONT is a RuPay credit card that supports UPI payments. You get 1% cashback on all UPI transactions, plus 5 coins per transaction when using AU0101 app.
How to redeem reward points and coins?
Coins can be redeemed at AU Rewardz catalogue (rewardz.au.bank.in) for gadgets, gifts, and vouchers. A nominal fee of Rs.99 + GST is charged per redemption.
What is the cash withdrawal charge?
Cash advance fee is 2.5% of withdrawal amount or Rs.500, whichever is higher.

User Reviews

Our Rating

4.2
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on AU Small Finance Bank's website

Rating Breakdown

Rewards
5.0/5 Top 1%
Benefits
4.1/5 Top 5%
Fees
3.7/5 Top 23%
Value for Money
4.3/5 Top 7%
User Reviews
3.0/5 Top 50%

Important Links

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