AU SPONT Credit Card
A RuPay cashback card for UPI: 1% cashback on online, in-store and UPI spends, capped at ₹500 a statement cycle, for ₹299 a year. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹299 plus GST Product page |
|---|---|
| Annual fee | ₹299 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Terms |
| AU publishes no spend-based waiver of the ₹299 annual fee for this card. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| All transactions, including UPI through any app | 1% cashback Product page | up to ₹500 a statement cycle Product page |
Cash withdrawals and EMIs earn no cashback. UPI payments made in the AU 0101 app also earn coins (5 a transaction, 500 on the first), which AU does not value in rupees.
No rewards on
- Fuel Product page
- Rent Product page
- Government and education payments Product page
- Insurance Product page
Benefits
- Lounges: 2 domestic airport lounge visits a quarter and 2 railway lounge visits a quarter — Airport visits need ₹50,000 of spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 1% cashback on UPI payments through any UPI app Product page
- 5 coins per UPI payment in the AU 0101 app, and 500 on the first, redeemable on AU Rewardz Product page
- 2 railway station lounge visits a quarter Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- an annual fee waiver
- a welcome benefit
- the rupee value of AU 0101 UPI coins
The quotes behind the figures
23 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Joining/Annual Fee: ₹299 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp - Xcite Series of Cards - 3.49%”
“1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel”
“Cashback is capped at ₹500 per statement cycle.”
“T&C apply. Cashback is not applicable on Fuel, Rent, Govt. & Education, Cash Withdrawals, EMIs & Insurance spends.”
“AU SPONT - ₹299”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Earn 500 coins on first UPI transaction made on AU 0101 App.”
“Collect coins over time and redeem them from our specially curated rewards catalogue at AU Rewardz .”
“With effect from 10th April 2026, AU Credit Cardholders need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
“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).”
“With effect from 10 th April 2026, 2 complimentary Domestic Lounge Access every quarter is based on completing minimum spend of ₹50,000 in the previous quarter.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“Earn 5 coins on each UPI transaction made on AU 0101 App.”
“Relax before you travel with 2 Complimentary Railway Lounge Access per calendar quarter.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“AU SPONT Credit Card Turning every UPI transaction into big rewards. Apply Now”
“The AU SPONT Rupay Credit Card enables users to seamlessly link the card to their preferred UPI-enabled application, facilitating convenient payments using the UPI Scan and Pay feature”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology