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Spont Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank RuPay Entry

Annual Fee

₹299

Base Rate

1.0%

Reward Type

Cashback

Overview

The Spont Credit Card is a Entry credit card issued by AU Small Finance Bank on the RuPay network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: ₹299
Eligibility: Minimum monthly income of ₹10,000. Age: 21-60 (Salaried), 25-65 (Self-employed).

Reward Rates & Cashback Rules

  • ALL_ONLINE: 1.0% cashback | monthly cap ₹500.0 ⚠️ This cap applies to all cashback earned in a statement cycle, not just online spends.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Government: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback

Key Features & Benefits

  • Airport Lounge Access ✈️: 2 complimentary domestic airport lounge visits per quarter, upon spending ₹50,000 in the previous calendar quarter.
  • Railway Lounge Access 🚆: 2 complimentary railway lounge visits per quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Capped at ₹100 per statement cycle.
  • UPI Rewards 🪙: Earn 5 'Coins' on every UPI transaction via the AU 0101 App, redeemable for gifts from the AU Rewardz catalogue.
  • Add-on Cards 👨‍👩‍👧‍👦: Option for lifetime free add-on cards for family members.

Eligibility Criteria

Minimum monthly income of ₹10,000. Age: 21-60 (Salaried), 25-65 (Self-employed).

Features & Benefits

✈️

Airport Lounge Access

2 complimentary domestic airport lounge visits per quarter, upon spending ₹50,000 in the previous calendar quarter.

🚆

Railway Lounge Access

2 complimentary railway lounge visits per quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Capped at ₹100 per statement cycle.

🪙

UPI Rewards

Earn 5 'Coins' on every UPI transaction via the AU 0101 App, redeemable for gifts from the AU Rewardz catalogue.

👨‍👩‍👧‍👦

Add-on Cards

Option for lifetime free add-on cards for family members.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Online Spends
Reward: 1.0% Monthly Cap: ₹500.0
⚠️ Exceptions: This cap applies to all cashback earned in a statement cycle, not just online spends.
1%
Fuel Exclusion
Rent Exclusion
Government Exclusion
Education Exclusion
Insurance Exclusion

Value Chart

Assuming basic spends for Spont Credit Card

Category Spont Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹299 ₹0 ₹0 ₹0
₹
Annual Fee 		₹299 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 0.5% 1.0% 1.0%
★
Known Rules 		6 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Spends — 1.0% Cashback (cap ₹500.0)
  • + Airport Lounge Access
  • + Railway Lounge Access
  • + Fuel Surcharge Waiver
  • + UPI Rewards
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Government
  • − No reward on Education
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹299

Net Value

+₹2701

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining and annual fees are ₹299 + GST each. There are no spend-based waiver conditions mentioned for the annual fee.

The card offers a 1% cashback on most retail transactions, including UPI. The total cashback you can earn is capped at ₹500 per statement cycle.

Yes, you get 2 complimentary domestic airport lounge visits and 2 railway lounge visits per quarter. Note that airport lounge access requires a minimum spend of ₹50,000 in the previous quarter.

Cashback is not applicable on Fuel, Rent, Government & Education, Cash Withdrawals, EMIs, and Insurance spends.

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