M16S / AU Small Finance Bank / AU SPONT Credit Card
entry · cashback, upi
AU SPONT Credit Card
The AU SPONT Credit Card costs Rs 299 a year. Its base return is 1% (1% cashback on all eligible spends including UPI). Accelerated earn: 5 coins per UPI transaction made on the AU 0101 app. The forex markup is 3.49%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 299+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 299 |
|---|---|
| Annual fee | Rs 299 |
| Fee notes | Rs 299 + GST joining and annual fee; no waiver condition published. |
Rewards
| Welcome benefit | 500 coins on first UPI transaction on the AU 0101 app |
|---|---|
| Reward currency | Cashback + Coins |
| Base earn | 1% cashback on all eligible spends including UPI |
| Base return | 1% |
| Point value | Cashback in rupees; coin value not stated |
| Accelerated earn | 5 coins per UPI transaction made on the AU 0101 app |
| Caps | Cashback Rs 500 per statement cycle |
| Spends that earn nothing | Fuel, rent, government & education, cash withdrawals, EMI, insurance |
| Points expiry | Coins do not expire |
| Milestone benefits | Listed as a feature but no details on page |
| Reward notes | Coins redeemed on AU Rewardz. base_return_pct = 1% cashback, effective on up to Rs 50,000 of spend per cycle. |
Travel and perks
| Domestic lounge | 2 airport lounge visits per quarter; 2 railway lounge visits per quarter (shared with add-ons) |
|---|---|
| International lounge | None |
| Lounge conditionsunverified | Airport lounge needs Rs 50,000 spend in the quarter (page) or previous quarter (pop-up), effective 10 Apr 2026 |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU SPONT Credit Card?
- Rs 299 a year, before GST.
- Does the AU SPONT Credit Card give airport lounge access?
- Yes. In India: 2 airport lounge visits per quarter; 2 railway lounge visits per quarter (shared with add-ons). Outside India: none listed. Conditions: Airport lounge needs Rs 50,000 spend in the quarter (page) or previous quarter (pop-up), effective 10 Apr 2026
- What is the forex markup on the AU SPONT Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU SPONT Credit Card?
- Fuel, rent, government & education, cash withdrawals, EMI, insurance