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AU SPONT Credit Card

Home Credit Card AU Small Finance Bank AU SPONT Credit Card

AU SPONT Credit Card lets you save on every transaction, whether big or small, at a low annual fee. It offers cashback on every spend, without any preferred brand or spending category, and additional coins on UPI spends. Moreover, the complimentary lounge access makes your travels comfortable and adds to the total value-back that cardholders can avail via this card. Refer below to know more about AU Bank SPONT Credit Card.

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Updated: 13-09-2025 04:02:24 AM

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the AU Small Finance Bank’s website.

AU SPONT Credit Card Overall Rating: ★★★
AU SPONT Credit Card
Cashback Benefits ★★★  (2.5/5)
UPI transactions ★★★ (3/5)
Lounge Access ★★★  (3.5/5)

AU SPONT credit card is an entry-level card that provides 1% cashback on every transaction. However, this cashback rate is lower than other cashback cards with a low annual fee, such as Amazon Pay or Flipkart Axis, which offer accelerated cashback benefits of up to 5%. Apart from cashback, the card also rewards users with coins on UPI transactions, contributing to the overall savings on your card spends.

Apart from the rewards, AU SPONT card offers a standout feature of up to 8 visits per year each to airport as well as railway lounges. This is one of the highest numbers of complimentary lounge visits offered in the beginner’s level card segment, without any additional spend-based conditions associated with it.

On this page
Features & Benefits of AU SPONT Credit Card
Who Should Apply for AU SPONT Credit Card?
Cards Similar to AU SPONT Credit Card
AU SPONT Credit Card Fees & Charges
AU SPONT Credit Card Eligibility Criteria

Features & Benefits of AU SPONT Credit Card

AU SPONT credit card comes with various benefits on your spends and other complimentary services as given below:

Earn Coins on UPI

  • Welcome Bonus: 500 coins on making the first UPI transaction made via AU 0101 app
  • Earning Rate: 5 coins in every UPI transaction made via AU 0101 app
  • Validity: These coins do not expire
  • Redemption: Earned coins are redeemable against the rewards catalogue available at AU Rewardz

1% Cashback Benefit

  • Cashback Rate: 1% cashback on all card spends, including UPI, e-commerce, POS and contactless transactions, irrespective of the merchant or UPI app
  • Capping: Up to Rs. 500 per month
  • Excluded Categories: Spends made on fuel, EMIs, rent, government services, education, insurance, and cash withdrawals

Complimentary Lounge Access

  • Domestic Airport Lounge Access: 2 complimentary visits to select Dreamfolks airport lounges in India per calendar quarter on reaching minimum quarterly spends of Rs. 20,000
  • Railway Lounge Access: 2 complimentary access per calendar quarter for primary and add-on cardholders

Other Benefits

  • Fuel Surcharge Waiver: 1% surcharge waiver, up to Rs. 100 per month, on all fuel transactions worth Rs. 400 to Rs. 5,000
  • Card Liability Cover: Zero liability in case of fraudulent transactions made due to loss of card after you report the card loss to the bank. This cover also includes cover against online frauds, phishing, card counterfeit, and skimming.

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Who Should Apply for AU SPONT Credit Card?

With a low annual fee and basic cashback feature, AU SPONT credit card is suitable for those who are beginning their credit card journey. Though the lounge access feature makes it a good and affordable card choice for those who are frequent domestic travellers. However, complimentary lounge visits are not typically the deciding factor in determining whether to get a card.

Consider this card if:

  • You are new to credit cards and want to start with an entry-level card
  • You prefer cashback over reward points or brand discounts
  • You want value-back on UPI transactions
  • You want considerable domestic airport and railway lounge visits via a low annual fee card

Look for other card options if:

  • You want accelerated cashback rate on certain spending categories or brands
  • You do not mind paying a higher fee for more extended lifestyle benefits
  • You frequently travel internationally
  • You want co-branded benefits

Cards Similar to AU SPONT Credit Card

Standard Chartered EaseMyTrip Credit Card
easemytrip-credit-card
3.5/5

Joining fee: ₹350

Annual/Renewal Fee: ₹350

20% discount on domestic & international hotel bookings via EaseMyTrip

10% discount on domestic & international flight bookings via EaseMyTrip

Travel
Check Eligibility

Product Details

  • Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
  • Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
  • Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
  • 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
  • 2 complimentary domestic lounge visit per year
Know More

Axis Bank ACE Credit Card
ace-credit-card
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

5% cashback on utility bill payments and recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

Shopping
Cashback
Online Shopping
Check Eligibility

Product Details

  • 1.5% cashback on other offline & online spends
  • 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
Know More

SBI SimplyCLICK Credit Card
simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Rewards
Online Shopping
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Amazon India gift card worth Rs. 500 on joining fee payment
  • Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
  • Annual fee waived on reaching Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
Know More

Flipkart Axis Bank Credit Card
flipkart-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% cashback on Myntra

5% cashback on transactions at Flipkart and Cleartrip

Cashback
Online Shopping
Check Eligibility

Product Details

  • 1% cashback across other spends
  • Activation benefits worth Rs. 600 from Flipkart and Swiggy
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
Know More

 

AU SPONT Credit Card Fees & Charges

Fees & Charges Amount
Joining/Annual Fee Rs. 299
Finance Charges 3.59% per month (43.08% per annum) 
Late Payment Charges On 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

Click here for the detailed AU Bank credit card fees and charges.

AU SPONT Credit Card Eligibility Criteria

To be eligible for AU SPONT credit card, you must satisfy the eligibility criteria set by the bank and have certain documents at hand for verification, as listed below:

  • Age: 21 to 60 years
  • Occupation: Salaried or self-employed
  • Documentation Required: Click here for the list of documents required for AU Bank Credit Card application.

Besides the above mentioned list of criteria, the applicant must satisfy other conditions as per the bank’s internal policy to qualify to get an AU Bank credit card.

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