Skip to content

AU Spont Credit Card

The AU Spont Credit Card is the latest addition to the bank’s range of innovative credit cards. It is ideal for small payments and transactions, particularly those related to UPI. Cardholders receive a 1% cashback on all UPI spends, which is capped at ₹500 per statement cycle. This means that to receive the maximum allowed cashback, you would need to spend ₹50,000 in a month. The card has a low joining fee of ₹299 and is available to anyone with a monthly income of over ₹10,000. The credit card offers free access to domestic airport lounges and railway lounges, making it an attractive option. Read our review to learn more about the features and benefits of this credit card.

AU Spont Credit Card

( 4.4 / 5 )
AU Spont Credit Card
  • Joining FeeRs. 299 + GST
  • Annual FeeRs. 299 + GST
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

1% Cashback on All UPI Spends (Up to Rs. 500)

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

1% Cashback on All UPI Spends (Up to Rs. 500)

Reward Redemption

N/A

Travel

2 Complimentary Railway Lounge Visits

Domestic Lounge Access

2 Free Visits Each Quarter on spending ₹50,000 in a Calendar Quarter

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.75% Per Month (45% Per Annum)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver on Transactions Between Rs. 400 and Rs. 5000

    Cash Advance Charges

    2.5% of the Withdrawn Amount or ₹500 Whichever is Higher

    • You can earn cashback on all UPI transactions with this card.
    • Spend-based airport lounge access is offered with this card.
    • Free railway airport lounge access is provided.

    Cashback With AU Spont

    • Earn 1% cashback on all UPI spends across multiple channels.
    • Earn 1% cashback on eComm, POS & contactless transactions.
    • A maximum of ₹500 can be earned in a statement cycle.
    • No cashback shall be awarded for Fuel, Rent, Cash Withdrawals, EMIs & Insurance spends

    Earn Coins on UPI Spends

    • Earn 5 coins on each UPI transaction made on the AU 0101 App.
    • Earn 500 coins on the first transaction made via the AU 0101 App.
    • These coins would never expire, i.e. they have lifetime validity.
    • These coins can be redeemed at AU Rewardz.

    Free Airport Lounge Access

    By spending ₹50,000 in the current quarter, AU Spont Cardholders can avail up to two complimentary airport lounge visits.

    Complimentary Railway Lounge Access

    With the AU Spont Credit Card, you would get two complimentary railway lounge access each quarter (eight each year).

    Bottom Line

    One of the main disadvantages of this card is its low cashback rate. To earn the maximum cashback of ₹500, you would need to spend ₹50,000 in a month. On the other hand, if you use the AU101 app for UPI transactions, you’ll receive 5 coins for every transaction, and the first transaction will earn you 500 bonus coins. The card offers free access to airport and railway lounges across India, and the joining and renewal charges are just ₹500, which makes it a good option for those who are looking for their first credit card.

    FAQs:

    The AU Spont Credit Card comes in both physical and virtual variants.

    You can earn up to Rs. 500 cashback in a month with the AU Bank Spont Credit Card.

    Leave the first comment