AU Spont Credit Card: Cashback, Benefits, Fees, Eligibility and How to Apply

The AU Spont Credit Card is an option for users who want to earn rewards on everyday spending, especially on eligible UPI transactions. Along with UPI cashback and rewards, the card provides travel-related benefits such as railway and domestic airport lounge access, as well as a fuel surcharge waiver.

With a joining fee and annual fee of ₹299 + GST, the card can be considered by users looking for a relatively low-fee credit card with UPI and travel benefits.

In this guide, we cover the AU Spont Credit Card cashback, rewards, benefits, fees, lounge access, eligibility criteria, and application process.

What is AU Spont Credit Card?

The AU Spont Credit Card is a credit card from AU Small Finance Bank that offers rewards on eligible transactions.

One of its key features is its UPI reward structure. Cardholders can earn 1% cashback on eligible UPI transactions after linking the credit card to a supported UPI application.

Users can also earn reward points on eligible UPI transactions made through the AU Banking App. The card further provides railway lounge access, domestic airport lounge access and a fuel surcharge waiver.

AU Spont Credit Card Cashback and Rewards

The card offers rewards through two UPI payment methods.

1% Cashback on UPI Transactions

Cardholders can earn 1% cashback on eligible UPI transactions after linking the AU Spont Credit Card with a supported UPI app.

For example, if you make eligible UPI transactions worth ₹10,000, a 1% cashback rate would equal ₹100 in cashback, subject to the applicable terms and conditions.

This can be useful for users who make frequent UPI payments for their everyday purchases.

1.25% Reward Rate Through AU Banking App

Users can earn 5 reward points for every ₹100 spent on eligible UPI transactions through the AU Banking App.

Each reward point has a stated value of ₹0.25.

For example:

• Spending: ₹10,000

• Reward points earned: 500

• Value per point: ₹0.25

• Total reward value: ₹125

This gives an effective reward rate of 1.25%.

Therefore, users who regularly make eligible UPI transactions through the AU Banking App can earn a higher effective reward value compared with the standard 1% UPI cashback.

AU Spont Credit Card Benefits

The card offers several benefits beyond UPI rewards.

1. Railway Lounge Access

Cardholders get 2 complimentary railway lounge visits per quarter.

This can be useful for people who regularly travel by train and want access to eligible railway lounges during their journeys.

If the quarterly benefit is available and fully used, cardholders can receive up to 8 complimentary railway lounge visits in a year.

2. Domestic Airport Lounge Access

The AU Spont Credit Card also offers 2 complimentary domestic airport lounge visits per quarter.

However, this benefit has a spending condition.

Cardholders need to spend ₹50,000 or more through the card in the previous quarter to qualify for the applicable airport lounge benefit.

For example, if you meet the required spending during one quarter, you can become eligible for the lounge visits in the following quarter, subject to the applicable terms.

This benefit may be more relevant for users who regularly travel by air and naturally meet the required spending threshold.

3. Fuel Surcharge Waiver

The card provides a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000.

The maximum fuel surcharge benefit is ₹100 per statement cycle.

For users who frequently pay for fuel using their credit card, this can help reduce the additional surcharge on eligible transactions.

AU Spont Credit Card fees

Understanding the fees is important before applying for any credit card.

Fee/Charge	Amount
Joining Fee	₹299 + GST
Annual Fee	₹299 + GST
Cash Advance Fee	2.5% of amount withdrawn, minimum ₹100
Interest Rate	3.49% per month
Annualised Interest Rate	41.88%
Foreign Currency Markup	3.49%
Reward Point Redemption Fee	₹99

Joining Fee

The AU Spont Credit Card joining fee is ₹299 + GST.

Annual Fee

The annual fee is ₹299 + GST. Users should consider whether the rewards and benefits they use justify this annual cost.

Cash Advance Fee

A cash advance fee of 2.5% of the amount withdrawn, subject to a minimum of ₹100, is applicable.

Users should also consider applicable interest and other charges before withdrawing cash using a credit card.

Interest Rate

The stated interest rate is 3.49% per month, equivalent to 41.88% annually.

Paying the total outstanding balance by the due date can help avoid interest charges associated with carrying an unpaid balance, subject to the issuer's billing terms.

Foreign Currency Markup

The foreign currency markup fee is 3.49%.

Therefore, users who frequently make international transactions should consider this charge when evaluating the card.

Reward Point Redemption Fee

A ₹99 reward point redemption fee is applicable according to the provided card details.

AU Spont Credit Card Eligibility

The stated eligibility criteria for the card include:

• Age: Above 21 years

• Monthly income: ₹25,000 or more

• Employment: Salaried or self-employed

• Residence: Applicant should live in an AU Bank serviceable area

Meeting these basic criteria does not guarantee approval. The final approval depends on the bank's verification process and other applicable eligibility requirements.

Documents Required for AU Spont Credit Card

Applicants may need to provide documents and information during the application process.

These can include:

• PAN card

• Recent passport-size photograph

• Address details

• Contact information

• Employment details

• Income details

The exact documentation may vary depending on the applicant and the bank's verification requirements.

How to Apply for AU Spont Credit Card Online?

You can follow these steps to apply for the AU Spont Credit Card:

Step 1: Visit the AU Bank Website

Go to the AU Bank website and open the credit card section.

Step 2: Select AU Spont Credit Card

Find the AU Spont Credit Card and review its benefits, fees and eligibility criteria.

Step 3: Enter Your Details

Fill in your personal information, contact details, employment information and income details.

Step 4: Upload Documents

Upload the required documents, such as your PAN card and photograph.

Step 5: Review the Terms

Before submitting your application, check the applicable fees, reward structure, lounge access conditions and other terms.

Step 6: Submit the Application

Submit the completed application form.

An AU Bank representative may contact you for verification or additional information before processing your application.

AU Spont Credit Card for UPI Payments

UPI is commonly used for everyday merchant payments, and the AU Spont Credit Card provides rewards on eligible UPI transactions.

The card offers 1% cashback on eligible UPI transactions when linked to a supported UPI application.

Alternatively, eligible UPI transactions through the AU Banking App can earn 5 reward points per ₹100, with each point valued at ₹0.25. This provides an effective 1.25% reward rate.

Before relying on the rewards, users should check the latest terms to understand eligible transactions, exclusions and any applicable limits.

AU Spont Credit Card for Travel

The card provides benefits for both train and air travel.

For train travellers, the card offers 2 complimentary railway lounge visits per quarter.

For air travellers, it offers 2 complimentary domestic airport lounge visits per quarter, provided the required ₹50,000 previous-quarter spending condition is met.

This makes the lounge benefits more useful for users who travel regularly and can meet the applicable spending requirement.

AU Spont Credit Card Fuel Benefit

The fuel benefit applies to eligible transactions between ₹400 and ₹5,000.

The card provides a 1% fuel surcharge waiver, with the maximum benefit capped at ₹100 per statement cycle.

Users should check the latest terms for eligible fuel transactions and any exclusions.

Who Can Consider the AU Spont Credit Card?

The card may be relevant for users who:

• Frequently make eligible UPI payments

• Want to earn rewards on UPI transactions

• Use the AU Banking App for eligible payments

• Travel by train regularly

• Travel by air and meet the airport lounge spending requirement

• Regularly spend on fuel

• Prefer a card with a ₹299 + GST annual fee

However, the suitability of any credit card depends on an individual's spending habits and financial requirements.

Conclusion

The AU Spont Credit Card combines UPI rewards with everyday spending and travel benefits. Its 1% UPI cashback, 1.25% effective reward rate through the AU Banking App, railway lounge access, domestic airport lounge access and fuel surcharge waiver make it an option for users who regularly use UPI and travel.

The card has a ₹299 + GST joining fee and ₹299 + GST annual fee, while other charges include a 3.49% foreign currency markup and applicable interest charges.

Before applying, users should compare the AU Spont Credit Card benefits, cashback rate, fees, eligibility requirements and lounge access conditions with their own spending habits.

Note: Credit card fees, benefits, eligibility requirements and reward conditions may change. Always check the latest terms and conditions with AU Bank before applying.