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Independent card analysis

AU Bank Spont Credit Card

AU Small Finance Bank · RuPay · Entry card

Low pricing, UPI rewards and a modest lounge-spend threshold create a useful starter travel combination.

Best suited to

UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits.

Authored and reviewed by GainFair
Terms checked 24 Sept 2026
Annual fee
₹299 + GST
Joining fee
₹299 + GST
Base reward rate
1%
Forex markup
3.5%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Online shopping
1%
Groceries & essentials
1%
Dining & delivery
1%
Travel & hotels
1%
Bills & utilities
1%
Beauty & wellness
1%
Entertainment & movies
1%
Education & family
1%
Healthcare & pharmacy
1%
Subscriptions & streaming
1%
Offline store shopping
1%
International spending
1%
Gold & jewellery
1%
Insurance premiums
1%
Other miscellaneous
1%
Fuel & commute
0%
House rent
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
No waiver recorded
Monthly income requirement
Not listed

Airport lounge access

8 domestic airport lounge visits per year

2 domestic airport lounge visits per quarter · Issuer card

Guest access: Not available

Requires ₹50,000 per Calendar quarter for the following calendar quarter

The April 2026 lounge terms require ₹50,000 in the previous calendar quarter.

Spend condition: Spend ₹50,000 in the preceding calendar quarter.

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 2 items

  • Eligible card and merchant-UPI cashback

    Usage-based value

    1% cashback on eligible ecommerce, point-of-sale, contactless and merchant-UPI transactions.

    Status: verifiedReviewed: 2026-09-24Official source ↗

  • 1% cashback on eligible ecommerce, POS, contactless and merchant-UPI spending

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-24Official source ↗
Fees · 2 items

  • Annual card fee

    Cost ₹299

    ₹299 annual fee before applicable tax.

    Status: verifiedReviewed: 2026-09-24Official source ↗

  • Joining fee

    Cost ₹299

    ₹299 one-time joining fee before applicable tax.

    Status: verifiedReviewed: 2026-09-24Official source ↗
Airport lounge access · 2 items

  • Domestic lounge access

    Usage-based value

    2 visits per quarter through Issuer card. Guest access: not available. The April 2026 lounge terms require ₹50,000 in the previous calendar quarter.

    Conditions: Spend ₹50,000 per calendar quarter

    Status: verifiedReviewed: 2026-09-24Official source ↗

  • Eight participating railway-lounge visits yearly, capped at two per quarter

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-24Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.49% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-24Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for SPONT.

    Status: verifiedReviewed: 2026-09-24Official source ↗
Other benefits · 3 items

  • COINS on eligible UPI transactions through AU0101 under the separate app programme

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-24Official source ↗

  • 1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹100 per statement cycle

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-24Official source ↗

  • RuPay merchant-UPI support

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-24Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ 1% cashback on eligible ecommerce, POS, contactless and merchant-UPI spending
  • ✓ Two domestic airport-lounge visits per quarter after ₹50,000 prior-quarter spend
  • ✓ Eight railway-lounge visits yearly
  • ✓ RuPay merchant-UPI support

What to watch

Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked.

Recorded exclusions

Fuel Commute · Rent · Cash withdrawal · Fees charges

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Rewards, Eligibility ↗Fees ↗Change notice ↗

Sources checked 24 Sept 2026 · Latest recorded change effective 10 Apr 2026