The AU Bank SPONT Credit Card is an entry-level RuPay credit card designed for everyday transactions, especially UPI payments, providing a simple and rewarding experience. It offers 1% cashback on all transactions (including UPI, online, POS, and contactless) with a monthly cashback cap of ₹500. The card also rewards users with special Coins for UPI transactions via the AU 0101 app—5 coins per transaction and a bonus 500 coins on the first transaction that never expire and can be redeemed in the AU Rewardz catalog.
Key highlights of the AU Bank SPONT Credit Card
- Earn 1% cashback on all transactions including UPI payments, capped at ₹500 per month.
- Receive never-expiring Coins for every UPI transaction via the AU 0101 app, redeemable for rewards.
- Enjoy up to 8 complimentary lounge visits annually—4 domestic airport visits with quarterly spend and 4 railway lounge visits for primary and add-on cards.
- Benefit from a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000.
- Low joining and annual fees around ₹299-₹500, with zero liability fraud protection and app-based digital management.
These make it a cost-effective, rewarding card ideal for everyday digital transactions and travel comfort.
Summarizing the rewards and benefits of the AU Bank SPONT Credit Card
| Rewards & Benefits | Details |
|---|---|
| Cashback | 1% cashback on all transactions, including UPI, online, POS, and contactless, capped at ₹500/month |
| Reward Coins | Earn 5 coins per UPI transaction via AU 0101 app, plus 500 bonus coins on the first transaction; coins never expire and can be redeemed for rewards |
| Lounge Access | 2 free domestic airport lounge visits per quarter on spending ₹30,000 quarterly; 2 free railway lounge visits per quarter for primary and add-on cardholders |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 and ₹5,000 |
| Fraud Protection | Zero liability on fraudulent transactions |
| Card Format | Available as physical and virtual cards |
| Management | Managed via AU 0101 app for cashback tracking, coin redemption, and secure payments |
This table highlights the key rewards and benefits that make the AU SPONT Credit Card an appealing option for everyday spending and travel perks.
Fees and Charges
| Fees and Charges | Details |
|---|---|
| Joining Fee | ₹299 to ₹500 (approximate, varies as per offer) |
| Annual Renewal Fee | ₹299 to ₹500 (approximate) |
| Fuel Surcharge | 1% waiver on fuel transactions between ₹400 and ₹5,000 |
| Late Payment Charges | As per standard banking norms |
| Interest Rates | Standard interest rates applicable on outstanding dues |
| Fraud Liability | Zero liability on fraudulent transactions |
| Card Replacement Fee | May apply as per bank policy |
Eligibility Criteria
- Age: Applicant should be at least 21 years old.
- Residency: Must be an Indian resident.
- Income: Minimum monthly income requirement is around ₹10,000.
- Credit History: A clean credit record is generally preferred but may vary.
Required Documentation
- Proof of Identity: Aadhar card, PAN card, Passport, Voter ID, or Driving License.
- Proof of Address: Utility bills, rent agreement, passport, or Aadhar card.
- Income Proof: Recent salary slips, bank statements, or Income Tax Returns.
- Photograph: Passport-sized photographs.
- Other Documents: Any additional documents as requested by the bank during verification.
The application can be done through the AU 0101 app or at bank branches, where the submitted documents are verified to approve the card.
This simple eligibility and documentation process is designed to make the AU SPONT Credit Card accessible to a wide range of users.
Who Should Consider AU SPONT Credit Card?
Individuals looking for a cashback credit card with minimal fees.Frequent UPI users aiming to maximize rewards.Travelers who can benefit from free airport and railway lounges.New credit card applicants needing an affordable entry point.Digital payment enthusiasts seeking app-based control and rewards.
Conclusion
The AU Bank SPONT Credit Card is a lightweight yet powerful financial tool tailored to the needs of everyday Indian consumers. It brings together cashback rewards, travel benefits, and digital conveniences into a credit card that is both affordable and rewarding. Whether you are a beginner in credit or a seasoned transaction expert, this card offers value that is hard to overlook.