AU SPONT Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns cashback
First-year fee
₹299 + GST
Annual fee
₹299 + GST
What it gives back
1% cashback · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining fee
₹299 + GST
Annual fee
₹299 + GST
Welcome offer
Welcome benefit
Earn 500 coins on first UPI transaction made on AU 0101 App.
Rewards
Reward rate
1% cashback · everyday spends1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel; plus never-expiring coins on UPI transactions.
Reward exclusions
Cashback is not applicable on Fuel, Rent, Govt. & Education, Cash Withdrawals, EMIs & Insurance spends
Reward caps
Cashback is capped at ₹500 per statement cycle.
Cashback redemption
Cashback will be posted in the statement date and will be reflected in your monthly statement.
Point expiry
Never‑expiring coins on UPI transactions.
Card benefits
Lounge benefit
With effect from 10th April 2026, 2 complimentary Domestic Lounge Access every quarter, based on completing minimum spend of ₹50,000 in the previous quarter
Hotel or travel programme
2 Complimentary Railway Lounge Access per calendar quarter.
Also included
Fuel surcharge waiver
Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).
Balance transfer terms
Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250
Purchase to EMI conversion
You can convert your eligible RuPay Credit Card transactions to EMI.
Charges
Forex markup
3.49% on foreign currency transactions.
Dynamic currency conversion markup
3.49%3.49% Cross Currency Markup Charges on Dynamic & Static Conversion Transactions
Cash advance fee
2.5% of the Cash withdrawal amount or ₹500, whichever is higher.
Cash withdrawal limit
Up to 40% of the card limit
Interest on unpaid balance
3.75% per month (45% per annum)
Interest-free period
Up to 50 days (not applicable for cash withdrawal)
Late payment fee
15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)
Over-limit fee
2.5% of overlimit amount, subject to a minimum of ₹500
Payment return or dishonour fee
2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.
Card replacement fee
₹100
Cash payment / cash deposit fee
NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.
Education / school fee charge
1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.
EMI conversion fee
Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway
Foreign ATM fee
2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.
Reward redemption fee
₹99 + GST
Rent transaction fee
1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions
GST note
GST 18% applicable on all fees, interest & charges
Minimum amount due
5% of Principal outstanding+ 100% of Fees/Charges+ 100% of Interest Charges+ Due EMI(s)+ 100% of Annual Membership Fee (if applicable) + 100% of GST
Eligibility
Eligibility
Primary cardholder: Self Employed 25 to 65 years, Salaried 21 to 60 years; Add-on cardholder should be over 18 years; Resident Indian.
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Interest free period is applicable only if all previous dues are paid in full and no unpaid balance is carried forward from earlier/previous months; interest free period is suspended if the Total Amount Due is not cleared by the due date
How we know - 5 documents from AU Small Finance Bank, checked 19 Oct 2026
₹299 a year
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