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AU Small Finance Bank
AU Bank SPONT Credit Card
RuPay
AU Bank SPONT Credit Card
AU's basic RuPay, UPI-linked entry card aimed at low-income and first-time cardholders — a blanket 1% cashback plus small UPI-transaction coin rewards, with lounge access gated behind a quarterly spend threshold.
Rates and fees last verified 15 July 2026.
Annual fee
₹749
Joining fee
₹249
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- ✈️ Travel
2 complimentary domestic lounge visits a year (needs ₹50,000+ spend in the prior quarter)
- 🛍️ Shopping
1% reward rate
- ⛽ Fuel
Fuel surcharge waiver up to ₹100 per statement month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 5 AU coins per UPI transaction via the AU 0101 app, plus 500 coins on the first UPI transaction
- 2 complimentary domestic lounge visits a year (needs ₹50,000+ spend in the prior quarter)
- Fuel surcharge waiver up to ₹100 per statement month
Pros
- + Very low ₹10,000/month income eligibility
- + 1% blanket cashback including UPI spend
- + Low joining fee
Cons
- − Lounge access requires ₹50,000+ spend the prior quarter
- − RuPay-only limits international acceptance
- − Cashback and coin rewards are modest at this tier