AU SPONT Credit Card
AU Small Finance Bank · Open to apply
A ₹299 UPI-friendly cashback card: 1% back on POS, online, contactless and UPI spends up to ₹500 a statement, plus never-expiring coins on UPI payments, railway lounge visits and domestic airport lounge visits that need ₹50,000 of spend a quarter.
- Annual fee
- ₹299 + GST a year
- Joining fee
- ₹299 + GST
- Base rate
- POS, online, contactless and UPI spends, 1% cashback (up to ₹500 a statement): 1% cashback (about 1% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend; Railway: 2 visits a calendar quarter
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on fuel, rent, government, education, cash, EMI and insurance
Terms the calculator does not value
- Coins on UPI payments (5 per transaction, 500 on the first UPI transaction in the first year) have no stated value and are not valued.
- Whether cashback applies to every UPI payment or only to some (no minimum or MCC rule is stated beyond the exclusion list) is not clear.
Sources
- AU Small Finance Bank: AU SPONT credit card page (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank revision of credit card usage terms (domestic lounge spend condition), 10 April 2026 (Bank notice, the bank's own, read 6 Nov 2026)