Summary
The AU SPONT Credit Card is a modern and rewarding card ideal for smooth UPI and retail transactions. It offers a 1% cashback on UPI payments through any UPI app, which helps save money on users’ daily spending. A 1% cashback is also offered on eCommerce, POS, and contactless spending, which makes it a valuable option for online shoppers.
One of its most notable features is the waiver of fuel surcharge, wherein customers receive a 1% discount on fuel purchases between ₹400 to ₹5,000, which amounts to a saving of up to ₹100 per statement cycle.
The card also facilitates convenience when traveling in the shape of two free railway lounge visits annually, providing more relaxing train travel. Others include great cashback deals, rewards, and savings on dining, entertainment, and shopping.
Introduction
In today’s time, credit cards have become an important part of our everyday life. Whether you want to shop, make online payments, or need money immediately in an emergency, credit cards always come in handy. In this episode, AU SPONT Card is a credit card that has been designed keeping in mind all your needs.
Through the AU SPONT Card, you get reward points on every transaction, which you can use for many types of offers and discounts. Apart from this, the AU SPONT Card also has many great features, such as a fuel surcharge waiver, free airport lounge access, and an EMI facility, which make it a great option.
The biggest feature of the credit card is that it is designed keeping in mind your financial needs and lifestyle. Also, the trust of AU Small Finance Bank and excellent customer service make it even better.
In today’s article, we will discuss in detail about AU SPONT Card. In which we will tell you in detail about its benefits. So read this article till the end so that you do not have any problems later.
What is the AU SPONT Credit Card?
AU SPONT Card is an innovative credit card launched by AU Small Finance Bank to help you enjoy the benefits of every daily expense made effortlessly. As the name indicates, every expense of yours makes you earn points at AU SPONT Credit Card that you can utilize similarly.
Besides this, the card also provides facilities such as waiver of fuel surcharge, complimentary airport lounge access, and conversion of large expenses into EMIs. The AU SPONT Card is suitable for individuals who wish to derive more from their spending and simplify financial transactions.
What is the design of the AU SPONT Credit Card?
The AU SPONT Card is very bold and modern in its design. The face of the card has an active mix of colors, from red, blue, and yellow, and creates an eye-catching appearance. A hand gesture bold picture makes it an innovative artistic design, representing spontaneity and dynamism.
The card displays the “SPONT” logo prominently placed on the left in a vertical direction, with the AU Small Finance Bank and RuPay logo appearing alongside as well, an indicator of the affiliation with the bank and payments system.
What are the benefits of the AU SPONT Credit Card?
SPONT Credit Card comes with several advantages that are specially designed to enrich your day-to-day transactions:
- 1% Cashback on UPI Transactions: Get a 1% cashback on all UPI payments made through any UPI channel, saving on digital payments every day.
- 1% Cashback on Other Transactions: Get a 1% cashback on eCommerce transactions, point-of-sale (POS) swipes, and contactless transactions, rewarding you for various spending activities.
- Fuel Surcharge Waiver: Get a waiver of 1% on fuel surcharges on transactions between ₹400 and ₹5,000, up to a maximum of ₹100 per statement cycle, lowering your fuel charges.
- Coin Reward for UPI Transactions: Get 5 coins on each UPI transaction made through the AU0101 app using your AU SPONT Card. Besides, also get a bonus of 500 coins on your initial UPI transaction through the app, thus inviting more digital payment rewards.
- Free Lounge Visits: Get two complimentary railway lounge visits. And with ₹30,000 spent last quarter, get two complimentary domestic airport lounges every quarter, enhancing your travel comfort.
What are the fees for the AU SPONT Credit Card?
Here is a simple AU Credit Card fee breakup.
| Joining Fee | ₹299 + GST (one-time fee when you get the card). |
| Annual Fee | ₹299 + GST |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an AU SPONT Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the AU SPONT Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an AU SPONT Credit Card?
The documents that you will have to submit to Get a SPONT Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employeee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the AU SPONT Credit Card be used?
Here is the list of places where you can use it.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your AU SPONT Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The AU Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the AU SPONT Credit Card?
The credit amount you can spend is what you are provided with an AU SPONT Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
How do you apply for an AU SPONT Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU SPONT Card.
- Just hover your cursor on the AU Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest AU Bank branch to apply for the AU SPONT Card.
- Request for the credit card application form for the AU SPONT Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the AU SPONT Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an AU SPONT Credit Card in 2025 be right?
Yes, getting an AU SPONT Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
AU SPONT Card is a great option for its customers, especially those who want to handle their financial needs more efficiently and optimize their daily spending. You not only get reward points on every transaction through the AU SPONT Card but also get to enjoy great features like a fuel surcharge waiver, EMI facility, and free airport lounge access.
AU SPONT Credit Card is of use to all travelers, consumers, or persons who want to divide large bills into easy installments. Apart from this, the reputation of AU Small Finance Bank and its excellent customer service also distinguishes SPONT Credit Card. The bank has designed the AU SPONT Credit Card keeping in view the different needs of the customers. Thus, the AU SPONT Card proves to be useful for different kinds of customers.
Frequently Asked Questions (FAQ’s)
Ans: Yes, with Credit Card you can pay your large bills in simple installments (EMIs), thus you do not have to pay large bills altogether.
Ans: AU SPONT Card eligibility normally relies upon your age, income, and credit history. You must possess a regular source of income and a good credit score.
Ans: Yes, with the AU SPONT Card you can avail free lounge facility at most of the key airports, which makes your travel enjoyable.
Ans: The bank determines the annual fee of the AU SPONT Card. For more information in this regard, refer to the official bank website or contact customer service.
Ans: If you do not pay your credit card bill in time, you can be charged late fees, interest charges, and adverse impact on your credit score. Therefore, you should make timely payments.
