AU Bank Spont Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Spont Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/cashback.svg Cashback
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹299* Plus Applicable Taxes

Renewal Fee: ₹299*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Cashback Cashback
Travel Travel
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Joining Fee: ₹299* + Tax

Renewal Fee: ₹299* + Tax

Welcome benefits:- Get 500 coins on your first UPI transaction via the AU 0101 app.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Spont Credit Card

The AU SPONT Credit Card helps you save on every transaction—big or small—at a low annual fee. It offers 1% cashback on all spends, with no brand or category restrictions, plus additional coins on UPI payments. While its cashback rate is lower than cards like Amazon Pay or Flipkart Axis (which offer up to 5% accelerated cashback), the SPONT Card still delivers consistent rewards across every purchase.

A major highlight is its complimentary lounge access—up to 8 visits each to airport and railway lounges annually, making it one of the most generous entry-level cards in this segment. This benefit comes with no spend-based conditions, ensuring extra comfort during your travels while adding to your overall savings.

The AU SPONT Credit Card offers rewards and convenience for all your spending. You get cashback on every purchase, coins on transactions, free lounge access, card protection, contactless payments, EMI options, and the ability to add family members. It helps you save more and enjoy extra benefits on your everyday expenses.

AU Bank Spont Credit Card Rewards Program

1% Cashback Benefit

  • Rate: 1% cashback on all spends, including UPI, e-commerce, POS, and contactless transactions, across any merchant or UPI app.
  • Capping: Maximum ₹500 cashback per month.
  • Exclusions: Fuel, EMIs, rent, government services, education, insurance, and cash withdrawals.

Other Features and Benefits

Earn Coins on UPI

  • Welcome Bonus: 500 coins on your first UPI transaction via the AU 0101 app.
  • Earning Rate: 5 coins for every UPI transaction via AU 0101 app.
  • Validity: Coins never expire.
  • Redemption: Redeem coins through the AU Rewardz catalogue.

Complimentary Lounge Access

  • Domestic Airports: 2 free visits per calendar quarter to select Dreamfolks lounges in India (on ₹20,000 minimum quarterly spends).
  • Railway Lounges: 2 free visits per calendar quarter for primary and add-on cardholders.

Other Benefits

  • Fuel Surcharge Waiver: 1% waiver (up to ₹100/month) on fuel spends of ₹400–₹5,000.
  • Card Liability Cover: Zero liability for fraudulent transactions after loss reporting, including online fraud, phishing, card counterfeiting, and skimming.

Fees and Charges

Fees & ChargesAmount
Joining/Annual FeeRs. 299
Finance Charges3.59% per month (43.08% per annum) 
Late Payment ChargesOn outstanding balance of
Up to Rs. 100: Nil
Above Rs. 100 and up to Rs. 500: Rs. 100
Above Rs. 500 and up to Rs. 5,000: Rs. 600
Above Rs. 5,000 and up to Rs. 10,000: Rs. 700
Above Rs. 10,000 and up to Rs. 20,000: Rs. 800
Above Rs. 20,000 and up to Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You’re new to credit cards and want an easy entry-level option.
  • You prefer cashback instead of reward points or brand discounts.
  • You want extra value on UPI transactions.
  • You need good domestic airport and railway lounge access at a low annual fee.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Spont Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Spont Credit Card Hilights

What do we like about this card?

  • 1% cashback on all spends, including UPI, e-commerce, POS, and contactless payments.
  • 500 welcome coins on first UPI transaction via AU 0101 app.
  • 5 coins per UPI transaction through AU 0101 app, with no expiry.
  • Complimentary lounge access – 2 airport and 2 railway visits per quarter.
  • Fuel surcharge waiver of 1% (up to ₹100/month) on spends ₹400–₹5,000.
  • Zero liability cover for fraudulent transactions after loss reporting.

Pros

  • Flat 1% cashback on all spends, including UPI payments.
  • Unlimited coins on UPI transactions with no expiry.
  • Generous domestic airport and railway lounge access.
  • Low annual fee for the benefits offered.
  • Fuel surcharge waiver and zero liability cover for fraud.

Cons

  • Cashback rate lower than some competitor cards.
  • No international travel perks.
  • Lacks co-branded partner offers.
  • Limited lifestyle and premium benefits.

Au Bank Credit Card Contact Details

  • Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar,  Jaipur – 302020, Rajasthan, India
  • Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
  • Simply SMS: SMS ZENITH to 5676766 to get a callback or apply

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