AU SPONT Credit Card
AU SPONT targets everyday UPI spenders with a straightforward 1% cashback that lands directly as a statement credit whenever you pay through e-commerce, POS, contactless or any UPI app, though the payout tops out at ₹500 per billing cycle. Route your UPI payments through AU's own 0101 app instead and you earn separate "coins" for the AU Rewardz catalogue, though AU never states what those coins are worth in rupees. Cardholders get 2 railway lounge visits every quarter at no cost, and clearing ₹50,000 in spend the previous quarter unlocks 2 domestic airport lounge visits as well, alongside a 1% fuel surcharge waiver capped at ₹100. The joining and annual fee comes to ₹353 including GST, and AU currently offers no spend-based route to waive it in future years.
Key features
The highlights that define what this card actually does for you.
1% on Other
1% cashback, credited straight to the statement, on e-commerce, POS, contactless and UPI spends — capped at ₹500 per statement cycle
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 1% | ₹500 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹353 |
| Joining fee (incl. 18% GST) | ₹353 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated value of non-reward perks — roughly ₹4,500/yr combined.
️ lounge access ~ ₹4,000 /yr
2 domestic airport lounge visits per quarter once ₹50,000 is spent in the prior quarter (plus 2 unconditional railway lounge visits per quarter)
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle
Should you get it?
Best for: UPI-first everyday spenders, people who'd rather have simple flat cashback than juggle category tracking
As an entry-tier card, it suits first-time cardholders and those with lower monthly spend well.
You'll get the most out of it if a large share of your spend falls under the Other category (1% back).
Regular travellers also gain extra value from the lounge access it bundles in.
✓ Pros
- A consistent 1% cashback across e-commerce, POS, contactless and UPI payments (up to ₹500/cycle)
- UPI payments through AU's 0101 app earn bonus coins redeemable via AU Rewardz
- Unconditional railway lounge access, with airport lounge access unlocking at a spend threshold
✕ Cons
- The ₹500 per-cycle cashback ceiling limits upside for bigger spenders
- A flat 1% return trails what dedicated category cashback cards pay
- Domestic airport lounge access requires clearing ₹50,000 in quarterly spend
- The ₹299 fee renews every year with no published spend-based waiver
Eligibility & documents
Age
21 –65 years
Min. income
₹12,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
The routes available for turning your earnings into usable value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
What your Cashback are worth
What each unit is actually worth depending on how you redeem — this gap is where most cardholders lose value.
Statement credit Direct cash adjustment — no conversion
The concern The ₹500 per-cycle cap limits total cashback, the ₹299 fee has no published waiver route, and an entire list of common spend categories — fuel, rent, government, education, cash, EMI and insurance — earns nothing at all.
The bottom line
This card's pitch is simplicity, not maximum earnings: 1% back on e-commerce, POS, contactless and UPI spends alike, capped at ₹500 a cycle, with lounge access that gets better the more you spend. It won't beat a well-chosen category card on returns, but for someone whose spending lives on UPI and who values low-friction rewards, it's a fair deal for a small annual fee.
Sources & verification
Fees, reward rates and benefits for the AU SPONT Credit Card are sourced from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Fees and reward rates for the AU SPONT Credit Card are current as of 7 Aug 2026, and can change at the issuer's discretion — always confirm the latest terms on AU Small Finance Bank's official card page before applying.
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.