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AU Spont Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
User will 1% cashback on UPI transaction after linking your credit card to your UPI app.
UPI Cashback Rate: 1%.
Users will get 5 reward points of spend of every INR 100 on all UPI spends undertaken through the AU Banking App.
Value of 1 reward point is INR 0.25.
AU App Cashback Rate: 1.25%.
Movie Benefits
None
Dining Benefits
None.
Other Benefits
2 Free railway lounge visits per quarter.
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle).
Lounge Access
2 Free domestic airport lounge visits per quarter if in the previous quarter the user has spent INR 50,000 or more through the card.
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
User will 1% cashback on UPI transaction after linking your credit card to your UPI app.
UPI Cashback Rate: 1%.
Users will get 5 reward points of spend of every INR 100 on all UPI spends undertaken through the AU Banking App.
Value of 1 reward point is INR 0.25.
AU App Cashback Rate: 1.25%.
Movie Benefits
None
Dining Benefits
None.
Other Benefits
2 Free railway lounge visits per quarter.
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle).
Lounge Access
2 Free domestic airport lounge visits per quarter if in the previous quarter the user has spent INR 50,000 or more through the card.
Fees & Charges of
AU Spont Credit Card
Joining Fee
INR 299 + GST
Annual Fee
INR 299 + GST.
Cash Advance Fee
Cash Advance Charges: 2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Joining Fee
INR 299 + GST
Annual Fee
INR 299 + GST.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Fee and Charges of
AU Spont Credit Card
Special Features
None.
Eligibility Criteria
Age: age over 21.
Income: monthly income of INR 25,000+ (salaried or self-employed),
Residence: reside in an AU Bank serviceable area.
Speical Feature, Eligibility and Benefits of
AU Spont Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an AU Spont Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Spont Credit Card from the list of credit cards.
Enter your personal information, such as your name, address, and contact details.
Enter your employment information, such as your employer's name and your income.
Upload a copy of your PAN card and a recent passport-sized photograph.
Read and agree to the terms and conditions of the credit card.
Click on the "Submit" button.
An AU Bank representative will contact you to verify your information and to complete the application process.
Contact Details
24/7 toll-free helpline number 1800 1200 1500, non-toll number 0141-7141100, or email at creditcard.support@aubank.in
Account Opening and Procedure of
AU Spont Credit Card
Product Review of
AU Spont Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
AU Spont Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
