What is the AU Spont Credit Card and who is it for?

The AU Spont Credit Card is an entry-level card from AU Bank, ideal for UPI and small payments, offering cashback and travel perks.

What are the joining and renewal fees for the AU Spont Credit Card?

The AU Spont Credit Card has a low joining fee of ₹299 + GST and a similar renewal fee of ₹299 + GST.

How much cashback can I earn with the AU Spont Credit Card?

You earn 1% cashback on most spends with your AU Spont Credit Card, capped at ₹500 per statement cycle.

Does the AU Spont Credit Card offer lounge access benefits?

Yes, the AU Spont Credit Card provides complimentary domestic airport and railway lounge access.

Are there any welcome benefits when I get the AU Spont Credit Card?

New AU Spont Credit Card users receive 500 coins on their first UPI transaction via the AU 0101 App.

What is the foreign currency markup on the AU Spont Credit Card?

The foreign currency markup for the AU Spont Credit Card is 3.5% on international transactions.

Can I get an add-on card with my AU Spont Credit Card?

Yes, the AU Spont Credit Card offers a Complimentary Lifetime-Free Add-on Card for family members.

What is the minimum income required to apply for the AU Spont Credit Card?

To be eligible for the AU Spont Credit Card, a minimum monthly income of ₹10,000 is generally required.

Is there a fuel surcharge waiver available with the AU Spont Credit Card?

Yes, the AU Spont Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100.

AU Small Finance Bank

AU Spont Credit Card

Q: How can I redeem the coins earned on my AU Spont Credit Card?

You can redeem your accumulated coins from the specially curated rewards catalogue available at AU Rewardz.

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn 500 coins on first UPI transaction via AU 0101 App & a Complimentary Lifetime-Free Add-on Card.

Rewards Rate

1% Cashback on all UPI, eComm, POS, and Contactless transactions, capped at ₹500 per cycle.

Reward Type

Cashback

Reward Redemption

Redeem accumulated coins from the specially curated rewards catalogue available at AU Rewardz.

Domestic Lounge Access

2 complimentary visits to Domestic Airport Lounges per quarter on ₹20,000 spends per quarter.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Card Liability Cover against fraudulent transactions, counterfeiting, skimming, and online frauds.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Complimentary domestic airport and railway lounge access and a 1% fuel surcharge waiver.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

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