AU Small Finance Bank
AU Spont Credit Card
UPI coins and 1% cashback on all spends
₹299/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹299/yr
Reward rate
1x
Min. income
₹2,00,000
Forex markup
3.49%
Lounge access
Domestic only
Eligibility
₹2 lakh/yr · CIBIL 650+
Reward cap
No cap
Welcome benefit
None beyond the reward rate
AU Spont is a Rs 299/year rewards card offering 5 AU Coins on every UPI transaction and 1% cashback on all transactions, with 8 domestic lounge visits and fuel surcharge savings.
Who is this for
- UPI user
- Cashback seeker
- Mid-tier user
What we like
- Rs 299 annual fee
- 1% universal cashback
- 5 AU Coins per UPI txn
- 8 domestic lounges
Watch out for
- No international lounge access
- 3.49% forex markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹299 | Not waivable |
| Forex markup | 3.49% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| UPI | 5.00 | — | 0.10 |
| All spends | 1.00 | No cap | 1.00 |
Benefits
-
UPI coins Highlight
5 AU Coins on every UPI transaction
-
Universal cashback Highlight
1% cashback on all transactions
-
Domestic lounge
8 domestic airport lounge visits per year
-
Fuel savings
Save up to Rs. 1,200 per year on fuel
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- Resident Indian aged 21-60, salaried or self-employed, minimum income Rs 2 lakh
AU Spont Credit Card is a Rs. 299/year rewards card from AU Small Finance Bank offering 5 AU Coins on every UPI transaction and 1% cashback on all transactions.
Fees and rewards
- Annual fee: Rs. 299 + taxes
- Joining fee: Nil
- Rewards: 1% cashback on all transactions; 5 AU Coins per UPI txn
Milestone Benefits
- 8 domestic airport lounge visits per year
Eligibility
Resident Indian aged 21-60, salaried or self-employed, minimum income Rs. 2 lakh.
Card data compiled from au.bank.in and paisabazaar.com. Status: active.
Apply for AU Spont Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the AU Spont Credit Card worth it?
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What are the eligibility requirements for the AU Spont Credit Card?
Does the AU Spont Credit Card offer airport lounge access?
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