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AU SMALL FINANCE BANK LIMITED
AU Spont Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
UPIfocused credit card offering cashback on UPI transactions, airport and railway lounge access with spending requirements
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
1% cashback on all UPI spends (up to Rs. 500 per statement cycle)
Highlight 2
5 coins on each UPI transaction via AU 0101 App
Highlight 3
2 complimentary railway lounge visits per quarter
Highlight 4
2 free airport lounge visits quarterly (spend Rs. 30,000 in previous quarter)
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹299
The front-loaded charge when you apply.
Annual fee
₹299
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹299100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"12 visits"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Not specified"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹18L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good premium travel card with strong benefits but relatively expensive compared to lifetime free options; metal construction adds prestige"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 5 reward points per ₹150 spent on other transactions
- RP to Rupees: ₹0.25/pt
- Accelerated Rewards Program: 5X rewards on SmartBuy portal
- 10X rewards on selected categories
Cons
- Welcome Offer: 6,000 reward points worth ₹6,000 upon payment of joining fee
- Domestic Airport: 12 visits
- Dining: Up to 20% off at restaurants through Swiggy Dineout
- Lifestyle and Fashion: INOX privileges
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