AU Spont
AU Small Finance Bank
Last updated: Feb 03, 2026
₹499
₹499
Free
No lounge access
Contents
AU Spont is a RuPay entry-level everyday credit card focused on cashback across UPI, e-commerce and POS spends. It combines simple, never-expiring coin rewards with basic travel and device protection benefits. Ideal for customers seeking low-fee, straightforward cashback on daily transactions.
Features of AU Spont which makes it unique
Never-Expiring Coins
Coins earned do not expire and can be redeemed per bank rules
Rewards retained until redemption
More flexible than short-expiry reward schemes
Rewards Structure of AU Spont
Milestones of AU Spont
Welcome Milestone
₹5,000 : ₹500 cashback
Fees & Charges of AU Spont
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver on specified annual spend as per bank T&C.
Fee Explanation Standard bank fees and T&Cs apply; refer to AU Small Finance Bank for final charges.
Detailed Explanation of AU Spont Fees
Annual Fee: 499 (yearly)
Waiver criteria per bank T&C
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Insurance Coverage with AU Spont
Device protection
As per bank offerRegister device and use card for purchase; T&C apply
Additional Features of AU Spont
Contactless Payments
Tap and pay enabled
Add-on Cards
Available as per bank policy
Welcome Bonus with AU Spont
Welcome Bonus: ₹500 cashback.
Bonus Conditions: Welcome cashback credited after ₹5,000 eligible spend within 60 days; new customers only.
Application Process for AU Spont
Processing Time
3-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via AU Small Finance Bank portal or AU 0101 app
Upload KYC documents and complete eKYC
Receive verification call/SMS
Card dispatched within 3–7 business days
Required Documents for AU Spont
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
AU Spont Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India via RuPay network
International Acceptance
Limited — depends on RuPay acceptance abroad
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Spont
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must provide valid PAN and Aadhaar as per KYC norms.
How Approval Is Decided
- Minimum eligible income as per product
- Indian resident
- Acceptable credit score and KYC
Pros of AU Spont
- Straightforward 1% cashback on everyday spends
- Low fees and easy eligibility
- Rewards usable with AU's loyalty/coins
Cons of AU Spont
- Lower cashback rate than some marketplace co-branded cards
- Limited premium travel benefits
Frequently Asked Questions about AU Spont
What is the welcome bonus?
Earn ₹500 cashback after you spend ₹5,000 within 60 days of card issuance.
What cashback rate does AU Spont offer?
AU Spont offers a flat ~1% cashback on eligible UPI, e-commerce and POS transactions (subject to monthly caps and T&C).
What is the joining and annual fee?
Joining and annual fees are ₹499 each; fee waiver rules apply as per bank T&C.
Can I link this card to UPI?
Yes — AU Spont is RuPay-enabled and can be linked to UPI apps for cashback on UPI spends.
What documents are required to apply?
Valid PAN, Aadhaar (or acceptable ID), address proof and income proof where applicable.
How long does approval take?
Typical processing and dispatch is 3–7 business days after approval.
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