AU Small Finance Bank Au Spont Credit Card
AU Small Finance Bank
Annual / renewal fee
₹299 + applicable taxes.
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Earn rate
- 1% 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.
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Au Spont Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹299 + applicable taxes.
Verifiedlounge_travel18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Annual / renewal fee
₹299 + applicable taxes.
Verifiedlounge_travel18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- 1% 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.
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Travel & lounge
Lounge access
- 2 Complimentary Railway Lounge Access per calendar quarter.
- 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹50,000 spends in calendar quarter.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Milestone benefit
2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹50,000 spends in calendar quarter.
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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.
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Charges & interest
Forex markup
Currency Markup Charge: 0% (AU SPONT).
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Charge
- Cash Advance Fee: 2.5% or INR 500 whichever is higher on amount withdrawn.
- Charges on Revolving Credit: 3.75% per month (45% per annum) for All AU Retail Credit Cards.
- Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
- Overlimit Charges levied on total outstanding exceeding the Credit Limit.
- Xpress Loan/SMARTLoan Processing Fees: 2% of the Loan amount, Pre-closure Charges: 3% of the Balance Principal Outstanding.
- Reward Points Redemption Fee: ₹2.
- Currency Markup Charge: 0%.
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Fuel surcharge waiver
1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).
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Interest-free period
Interest free credit period could range from 20 days to 50 days subject to the scheme applicable on the specific Credit Card.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Au Spont Credit Card?
Officially traced: Rs. 299 + applicable taxes.
lounge_travelWhat is the joining fee on the Au Spont Credit Card?
Officially traced: Rs. 299 + applicable taxes.
lounge_travelHow does the Au Spont Credit Card earn rewards?
1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel.
lounge_travelWhat lounge access does the Au Spont Credit Card include?
2 Complimentary Railway Lounge Access per calendar quarter.
lounge_travelWhat are the transfer ratios for Au Spont Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Au Spont Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.au.bank.in/personal-banking/credit-cards/au-spont-credit-card.
Verifiedlounge_travel18 Aug 2026, 8:04 PM ISTAU Small Finance Bank
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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