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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.
Annual fee
₹299
Joining fee
₹299
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter (8/year) on ₹50,000+ prior-quarter spend, plus 2 railway lounge visits per quarter
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
3.49% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: Fuel surcharge waiver capped at ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
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
Best for