AU Bank Spont Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank Spont Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹299 + GST.
Cardholders get 2 quarterly domestic airport lounge access.
AU Bank Spont Credit Card
- Joining Fee₹299
- Annual Fee₹299
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- Base rate 1.00%
Welcome Benefits
- Not applicable
AUplatinumentryRewards and Benefits
Rewards Rate
Base 1.00% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by AU Small Finance Bank.
- Joining / annual fee of ₹299 + GST.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
Pros
- Complimentary domestic airport lounge access (2/quarterly).
Cons
- No annual-fee waiver option.
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
2 visit(s) / quarterly. Via rupay.
2 domestic airport lounges per quarter on ₹50,000 spend; plus Railway Lounge access per calendar quarter.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per monthly.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.