AU Small Finance Bank RuPay Credit Card
AU SPONT Credit Card
Turning all your spends into Big Rewards
Coins on every UPI payment made on AU 0101 App
1% Cashback on all transactions — no category limits
Milestone benefits on spending targets
Last Updated: April 2026 | Reviewed by: RupayCreditCards Editorial Team
Benefits & Features
AU SPONT Credit Card Benefits
Cashback Never Ends
- 1% cashback on every transaction — online shopping, in-store, contactless and all UPI payments across any UPI channel.
- No category restrictions. No minimum spend. Cashback posts on your statement date.
Earn Coins on UPI Transactions
- Earn 5 coins on each UPI transaction made through the AU 0101 App.
- Make your first UPI payment on AU 0101 and get 500 bonus coins in one shot.
Fuel Surcharge Waiver
- Save more on your commutes. 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps across India.
- Maximum saving is ₹100 per statement cycle.
Railway Lounge Access
- Relax before you travel. 2 complimentary railway lounge visits per calendar quarter.
- No minimum spend needed — just carry your card.
Domestic Airport Lounge Access
- Unwind during your travel. 2 complimentary domestic airport lounge visits per quarter.
- You need to spend ₹50,000 in that calendar quarter to unlock this.
Airport lounge is spend-gated at ₹50,000/quarter. Railway lounge has no such condition.
Physical & Virtual Card Both
- AU SPONT is both a physical card and a virtual card.
- Access the virtual card through AU 0101 app, chatbot, IVR or the AU Small Finance Bank website — use it for online payments right away.
Fees & Charges
AU SPONT Credit Card Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹299 + applicable taxes |
| Annual Fee | ₹299 + applicable taxes |
Eligibility Criteria
AU SPONT Credit Card Eligibility Criteria
Salaried
- Age21 – 60 years
Self Employed
- Age25 – 65 years
Final approval is at AU Small Finance Bank's discretion based on your credit profile and income.
Fuel Surcharge
AU SPONT Credit Card Fuel Surcharge Waiver
Fuel Surcharge Waiver Details
Waiver Rate1% of transaction value
Valid Transaction Range₹400 to ₹5,000
Where It WorksAll fuel stations across India
Monthly Cap₹100 per statement month
Cash Advance
AU SPONT Credit Card Cash Advance Limit
Cash Advance Limit
Up to 40%
of your total credit card limit. Interest starts from the day of withdrawal — use only when needed.
How to Withdraw
Any ATM
Withdraw cash from any ATM up to your cash advance limit using your AU SPONT Credit Card PIN.
Foreign Currency
AU SPONT Credit Card Cross Currency Markup Charges
Foreign Currency Transaction Fee
Cross Currency Markup3.49% of transaction value
Applies ToAll foreign currency & dynamic/static currency conversion transactions
Best Suited ForDomestic use only
At 3.49%, this card is not ideal for international travel or shopping on foreign websites. Stick to domestic use to get the best value.
UPI Payments
How to Link AU SPONT Card on UPI
Since AU SPONT is a RuPay card, you can link it to any UPI app and pay at any UPI QR code using your credit limit.
Steps to Link on a UPI App
Works with BHIM, Google Pay, Mobikwik and other third-party UPI apps
- Download a UPI third-party app (BHIM, GPay or Mobikwik) from the Play Store or App Store.
- Verify your mobile number on the UPI app and complete registration.
- Select "Add Credit Card" or "Link Credit Card."
- Choose AU Small Finance Bank as the card issuer.
- Select your AU SPONT Credit Card and confirm the details on screen.
- Generate your UPI PIN if not already done. This is separate from your card PIN.
Card Comparison
AU SPONT Credit Card vs Shoppers Stop HDFC Bank Credit Card
| Feature | AU SPONT | Shoppers Stop HDFC Bank |
|---|---|---|
| Annual Fee | ₹299 (no waiver) | ₹299 (no waiver) |
| Network | RuPay | RuPay |
| Cashback / Rewards | 1% cashback on all transactions — no exclusions | 3% at Shoppers Stop, 1% elsewhere |
| Welcome Benefit | 500 coins on first UPI transaction | ₹500 Shoppers Stop voucher on activation |
| Railway Lounge | 2 visits/quarter — no spend condition | None |
| Airport Lounge | 2 visits/quarter (₹50,000 spend needed) | None |
| Fuel Surcharge Waiver | 1% — max ₹100/month | 1% — max ₹250/month |
| UPI Coins / Rewards | 5 coins per UPI transaction on AU 0101 | Points on UPI payments |
| Store Membership | None | Free Silver Edge membership (worth ₹350) |
| Best For | Flat cashback on all spends + lounge access | Regular Shoppers Stop buyers |
Pick AU SPONT for flat cashback and lounge access. Pick Shoppers Stop HDFC if most of your spending happens at Shoppers Stop.
Our Verdict
AU SPONT Credit Card Review
1% cashback on everything is the biggest draw. No category rules, no exclusions — eComm, POS, contactless, UPI — all earn cashback. At ₹299 a year, that is a clean deal.
UPI rewards on a credit card is still rare. 5 coins per UPI transaction on AU 0101, plus 500 bonus coins on the first payment — useful if you pay via UPI daily.
Railway lounge with no spend condition is a genuine perk. Most lounge benefits are spend-gated. Getting 2 free railway lounge visits per quarter without any minimum spend is not common at this price point.
Airport lounge needs ₹50,000 spend per quarter. High bar for a ₹299 entry-level card. Most cardholders will miss this most months.
3.49% forex fee rules out international use. This card is best used within India only.
Our take: AU SPONT is a solid no-fuss RuPay card for everyday use. At ₹299 a year, flat 1% cashback plus railway lounge access is a fair package. Just do not expect premium perks or strong rewards outside cashback.
✅ What We Like
- 1% cashback on all transactions — zero exclusions
- 5 coins per UPI payment on AU 0101 App
- 500 bonus coins on first UPI transaction
- Railway lounge — 2 visits/quarter, no spend needed
- Physical + virtual card both available
- Low annual fee of ₹299
❌ What Could Be Better
- Airport lounge needs ₹50,000 spend per quarter
- Fuel waiver capped at just ₹100 per month
- 3.49% forex fee — not for international use
- No annual fee waiver based on spending
- No milestone vouchers or bonus rewards
FAQs
AU SPONT Credit Card FAQs
Yes. AU SPONT is both a physical card and a virtual card. You can access the virtual card through the AU 0101 app, chatbot, IVR and the AU Small Finance Bank website.
Download a UPI app (BHIM, GPay or Mobikwik) from the Play Store or App Store, then follow these steps:
- Verify your mobile number on the UPI app and complete registration.
- Select "Add Credit Card" or "Link Credit Card."
- Choose AU Small Finance Bank as the card issuer.
- Select your AU SPONT Credit Card and confirm the details shown on screen.
- Generate your UPI PIN if you have not done it yet.
Cashback is posted on your statement date and shows in your monthly statement.
Log in to the AU 0101 app → AU SPONT Credit Card → My Coins section.
First update your new mobile number for the RuPay Credit Card with AU Small Finance Bank. Once updated, re-register your card on the UPI app.
Yes. Eligible transactions made through your AU RuPay Credit Card via UPI can be converted to EMI.
No. UPI payments via RuPay Credit Card work only with domestic merchants in India.
No. You need to set a separate UPI PIN to authenticate UPI payments. Your credit card PIN cannot be used for this.
Go to the AU 0101 app and set the POS usage limit to control your daily UPI transaction amount. To turn off UPI transactions on the card completely, disable the POS usage limit in the same app.
Yes. After your card is renewed, you need to re-link it on your UPI app.
Ready to Apply for AU SPONT Credit Card?
Apply on the AU Small Finance Bank website. Takes a few minutes and approval is usually within a few working days.
Apply on AU Bank Website →Approval is at AU Small Finance Bank's sole discretion. We are not affiliated with AU Small Finance Bank and do not process applications.