AU Small Finance Bank
AU Spont Credit Card
Annual Fee
₹353₹299 + GSTBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Earn 1% cashback on all UPI spends
- Free railway lounge access
Category Rewards
Specialty
5 Coins per UPI transaction on AU 0101 App
5%
Reward Calculator
Earns ₹1,207/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹1.6K
direct cashback
₹1.6K
via direct credit
Effective rate
1.00%
Annual fee
₹353
Year 1 net
+₹1,207
Year 2+ net
+₹1,207
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, rent, government, education, cash, emi, insurance
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1% cashback on all UPI spends, capped at ₹500 per statement cycle.
Redemption
N/A
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spending ₹20,000 in a Calendar Quarter) International: N/A Free access to airport and railway lounges across India.
Pros & Cons
Pros
- Low joining fee of ₹299
- Free access to airport lounges
Cons
- Low cashback rate
- High spending requirement for maximum cashback
Additional Info
The card comes in both physical and virtual variants.
Maximum cashback of ₹500 can be earned in a month.
Maximum cashback of ₹500 can be earned in a statement cycle.
Excluded Categories
Ready to apply?
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Fees & Charges
Eligibility
Salaried
₹0.1L+
Networks