AU Spont Credit Card
Joining Fee: ₹299 + GST
Renewal Fee: ₹299 + GST
Reward Type: Cashback
Cashback & Rewards
UPI Transactions: Earn 1% cashback on all UPI spends, capped at ₹500 per statement cycle. To maximize cashback, spend ₹50,000 in a month.
Other Transactions: Earn 1% cashback on e-commerce, POS, and contactless transactions.
Exclusions: No cashback on fuel, rent, cash withdrawals, EMIs, or insurance spends.
Coins: Earn 5 coins per UPI transaction and 500 coins on the first UPI transaction via the AU 0101 App. Coins have lifetime validity and can be redeemed on the AU Rewardz portal.
Travel Benefits
Domestic Lounge Access: 2 complimentary lounge visits each quarter, available after spending ₹30,000 in the previous quarter.
Railway Lounge Access: 2 complimentary railway lounge visits each quarter (8 per year).
Summary
The AU Spont Credit Card, launched by AU Bank, is perfect for small payments and UPI transactions, offering 1% cashback on all UPI spends, capped at Rs. 500 per statement cycle. With a low joining and renewal fee of Rs. 299, the card is accessible to anyone with a monthly income over Rs. 10,000. Although the cashback is limited, cardholders can also earn 5 coins per UPI transaction and 500 bonus coins on their first transaction via the AU 0101 App, with coins redeemable at AU Rewardz. The card offers 2 complimentary domestic airport lounge visits per quarter with a Rs. 30,000 spending requirement in the previous quarter, along with 2 complimentary railway lounge visits. Despite its low cashback rate, the AU Spont Credit Card is an affordable and practical option for first-time credit card users.