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AU Small Finance Bank

AU Small Finance Bank Au Spont Credit Card

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Au Spont Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹299 + applicable taxes.

Verified · lounge_travel · 2026-08-18 · source

Annual / renewal fee

₹299 + applicable taxes.

Verified · lounge_travel · 2026-08-18 · source

Fee waiver

Confirm on the official page

Rewards

  • 1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel.
  • Plus never-expiring coins on UPI transactions.

Verified · lounge_travel · 2026-08-18 · source

Travel & lounge

Lounge access

  • 2 Complimentary Railway Lounge Access per calendar quarter.
  • 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹50,000 spends in calendar quarter.

Verified · lounge_travel · 2026-08-18 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Milestone benefit

2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹50,000 spends in calendar quarter.

Verified · lounge_travel · 2026-08-18 · source

Eligibility

Eligibility

  • Primary cardholder: Self Employed 25 to 65 years, Salaried 21 to 60 years.
  • Add-on cardholder should be over 18 years.
  • Resident Indian.

Verified · lounge_travel · 2026-08-18 · source

Charges & interest

Forex markup

Currency Markup Charge: 0% (AU SPONT).

Verified · charges · 2026-08-18 · source

Charge

  • Cash Advance Fee: 2.5% or INR 500 whichever is higher on amount withdrawn.
  • Charges on Revolving Credit: 3.75% per month (45% per annum) for All AU Retail Credit Cards.
  • Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
  • Overlimit Charges levied on total outstanding exceeding the Credit Limit.
  • Xpress Loan/SMARTLoan Processing Fees: 2% of the Loan amount, Pre-closure Charges: 3% of the Balance Principal Outstanding.
  • Reward Points Redemption Fee: ₹2.
  • Currency Markup Charge: 0%.

Verified · charges · 2026-08-18 · source

Fuel surcharge waiver

1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).

Verified · lounge_travel · 2026-08-18 · source

Interest-free period

Interest free credit period could range from 20 days to 50 days subject to the scheme applicable on the specific Credit Card.

Verified · charges · 2026-08-18 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Au Spont Credit Card?

Officially traced: Rs. 299 + applicable taxes.

lounge_travel

What is the joining fee on the Au Spont Credit Card?

Officially traced: Rs. 299 + applicable taxes.

lounge_travel

How does the Au Spont Credit Card earn rewards?

1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel.

lounge_travel

What lounge access does the Au Spont Credit Card include?

2 Complimentary Railway Lounge Access per calendar quarter.

lounge_travel

What are the transfer ratios for Au Spont Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the Au Spont Credit Card worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pagecharges

Official terms

https://www.au.bank.in/personal-banking/credit-cards/au-spont-credit-card.

Verified · lounge_travel · 2026-08-18 · source

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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