AU Bank SPONT Credit Card

AU SPONT Credit Card is good range entry level card in the market. It offer 1% cashback on all UPI transaction which  is capped at ₹500 per statement cycle. This card is good for  small payment transaction those who want everytime little reward in UPI transaction. It also offer complimentary domestic lounge and railway lounge access which is good in entry level credit card. You will also get coins on UPI transaction done on AU 0101 App. Let’s read in details about this credit card.

JOINING FEE
Rs.299+GST
RENEWAL FEE
Rs.299+GST
BENEFITS
1 Domestic & International Lounge per Calendar quarter.
REWARDS &CASHBACK
1% Cashback on all UPI transaction.

Key Features of AU SPONT Credit Card

Cashback

  • Get 1% cashback on all UPI transaction across multiple channel.
  • Get 1% cashback on all other transaction like ecomm, POS and contactless transaction.
  • Cashback is capped at ₹500 per statement cycle.
  • No Cashback on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances.

Coins on UPI Transaction

  • Earn 5 coins on each UPI transaction made on AU 0101 App.
  • Earn 500 coins on first UPI transaction made on AU 0101 App.
  • This coin will never expire having lifetime validity.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.250 per month. Note that you will not get any reward point on fuel spends.

Lounge Access

  • Get complimentary 2 lounge visit per quarter after spending ₹20,000 in current quarter.
  • Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad railway station.

Rupay Card

  • AU SPONT Credit Card comes under Rupay variant so you can easily linked with UPI and can enjoy seamless transaction without carrying physical card

Coin Redemption

  • The earned coins can be redeemed on AU Rewards portal and this coins never get expired so you can collect and redeem in bulk.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India.
  • AU Bank has not mentioned the salary but you need salary atleast more than ₹25k per month.
  • Final Thoughts

AU SPONT Credit Card is basic entry level credit card in the market. It offer 1% cashback on all UPI transaction and also you can earn coins if you do transaction on AU 0101 app. The reward rate is very low compare to other credit card in the market of same range like Amazon pay ICICI, Flipkart Axis Credit Card. But it also offer complimentary domestic and railway lounge access which can be deciding factor. Overall it is good credit card so if you are looking low range card having decent reward and benefit then you should go for it.

  • Frequently Asked Questions
Which transaction is excluded in cashback program?

Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in cashpoint program.

NO there is no criteria for annual fee waiver.

The earned coins have lifetime validity.

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