Route spending through Any UPI channel.
Earn 1.0× here — 1.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
AU SMALL FINANCE BANK · AU SMALL FINANCE BANK SPONT CREDIT CARD
AU Small Finance Bank SPONT Credit Card
ANNUAL FEE
₹299
FIRST-YEAR NET VALUE
₹17,801 for a mid spender · travel
AU SMALL FINANCE BANK SPONT
Updated 17 Sep 2026 6 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is AU Small Finance Bank's.
MONTHLY INCOME ₹0.1L+ Salaried or self-employed
CREDIT SCORE 600+ Good band
AGE 21 – 60 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹17,801 first-year net value · mid spender · travel
Category rewards ₹18,000
Welcome benefit· Welcome reward points ₹100
Annual fee − ₹299
Net first-year value ₹17,801
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.0% back
Any UPI channel · 1.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time AU Small Finance Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹299 · + 18% GST · one-time
Annual fee (year 2+) ₹299
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
2 domestic visits per year. Primary cardholder.
Welcome voucher
₹100 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How AU Small Finance Bank SPONT Credit Card has changed.
Last verified 17 Sep 2026.
- 2024 Product launch with UPI focus and RuPay network integration New offering targeting UPI-heavy users with consistent cashback
- 2024 Introduction of never-expiring coin system Additional rewards mechanism for UPI transactions via AU 0101 app
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: AU card product page (official), AU Bank credit card documents hub (official), AU Bank credit card MITC (with Schedule of Charges) PDF (official), AU Bank credit card key fact statement / schedule of charges PDF (official), AU spend-based domestic airport lounge program T&C PDF (SPONT/NOMO) (official), au.bank.in (PDF). Next scheduled review: 17 Mar 2027.