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AU Spont Credit Card

AU Small Finance Bank

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Annual Fee

₹299

Cashback

Up to -Infinity%

Lounge Visits

8/year

Min Income

₹1L/yr

Cashback Details

Category	Cashback Rate	Details

Monthly cashback cap: ₹500

Fees

Joining Fee₹299

Annual Fee₹299

Lounge Access

Domestic Visits8/year

Program2 domestic airport lounge visits per quarter, conditional on ₹50,000 qualifying spend in the previous quarter (revised threshold effective April 10, 2026). 2 railway lounge visits per quarter, unconditional.

Fuel Surcharge

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle. Fuel spend is excluded from the cashback programme.

Eligibility

Min Annual Income₹1,20,000

Age21 - 65 years

EmploymentSalaried & Self-employed

Key Features

1% cashback on all eligible UPI, POS, online, and contactless transactions
Monthly cashback cap of ₹500 per billing cycle
Cashback excluded on fuel, rent, government and education payments, cash withdrawals, EMIs, and insurance
2 complimentary domestic airport lounge visits per quarter (requires ₹50,000 spend in previous quarter, effective April 2026)
2 complimentary railway lounge visits per quarter for primary cardholder
5 Coins per UPI transaction via the AU 0101 app; Coins never expire
500 Coins welcome bonus on first UPI transaction via AU 0101 app
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped ₹100 per cycle
RuPay network , compatible with UPI credit card payments on third-party apps
Zero-liability fraud protection