AU Small Finance Bank
AU SPONT Credit Card
Data last verified: 11 October 2026
- Joining fee₹299 + GST
- Annual fee₹299 + GST
- Reward rate1% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹299 + GST
- Annual fee₹299 + GST
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The Spont is a RuPay card made for UPI. You get 1% cashback on UPI payments, online spends and tap to pay, capped at Rs 500 a month. You also earn coins on UPI payments made through the AU 0101 app, and 500 coins on your first one.
It costs ₹299 a year and no spend-based waiver is stated. At 1% back, about Rs 30,000 of spend in a year earns the fee back.
It suits people who pay for most things by scanning QR codes and want cashback on it. It also gives 2 railway lounge visits a quarter. The catch is that the 2 domestic airport lounge visits a quarter need Rs 50,000 of spend in the previous quarter.
Best for: Heavy UPI users, First-time card users, People who want simple cashback.
01AU SPONT Credit Card Rewards and Benefits
02AU SPONT Credit Card Annual Fee and Charges
- Joining fee
- ₹299 + GST
- Annual fee
- ₹299 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹353
- In your pocket each year₹2,047
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹3,000 a month: below that the ₹353 fee costs more than the rewards
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹299 each
- 1% cashback on UPI, online and tap to pay spends
- Cashback capped at ₹500 a month
- 2 domestic airport lounge visits a quarter after ₹50,000 spend in the previous quarter
- 2 railway lounge visits a quarter
- RuPay card that works with UPI
05Pros and Cons
Pros
- Cashback on UPI payments
- Low ₹299 fee
- Railway lounge access
- Extra coins on the AU 0101 app
Cons
- No stated fee waiver
- Cashback capped at ₹500 a month
- Airport lounges need ₹50,000 spend in the previous quarter
- 3.49% forex markup
06How AU SPONT Credit Card earns Rewards
1% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 1% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback, credited to the statement, on e-commerce, POS, contactless and UPI spends, capped at ₹500 per statement cycle
07AU SPONT Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle
- Airport lounge access: 2 domestic airport lounge visits per quarter on ₹50,000 quarterly spend (plus 2 railway lounge visits per quarter unconditionally)
08AU SPONT Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Domestic lounge spend-gate raised to ₹50,000/quarterSource: AU Small Finance Bank | ₹20,000 minimum spend per calendar quarter | ₹50,000 minimum spend per calendar quarter |
| 10 Apr 2026 | Reduced: Transportation-category spends stop earning cashbackSource: AU Small Finance Bank | 1% cashback earned on transportation spend (rail, transit, tolls and similar MCCs) | transportation MCCs excluded from the 1% cashback |
| 1 Jan 2025 | Reduced: Domestic airport lounge access made spend-gated | no documented spend condition on domestic lounge access | ₹20,000 minimum spend per calendar quarter |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU SPONT Credit Card
AU SPONT Credit Card is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU SPONT Credit Card |  HSBC Live Plus Credit Card |  Kiwi Credit Cards |
|---|---|---|---|
| Joining fee | ₹299 + GST | ₹999 + GST | Lifetime free |
| Annual fee | ₹299 + GST | ₹999 + GST | Lifetime free |
| Rewards | 1% on most spends | 1.5% base, up to 10% on dining | 1% base, up to 1.5% on UPI payments |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Cashback | Dining | Cashback |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU SPONT Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Does the AU Spont card give cashback on UPI?
Yes. You get 1% cashback on UPI payments, up to ₹500 a month across all spends.
Is the ₹299 fee waived?
No spend-based waiver is stated. The fee plus GST is charged every year.
What is the joining fee for the AU SPONT Credit Card?
The joining fee is ₹299 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU SPONT Credit Card?
The annual fee is ₹299 + GST.
Does the AU SPONT Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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