AU SPONT Credit Card

AU Small Finance Bank · ₹299 a year

A card built around UPI, paying 1% cashback on every transaction including UPI payments.

What AU SPONT Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, AU SPONT Credit Card returns about ₹5,221 a year after its fee (0.87% of spend). That ranks 67 out of 260 cards SahiCard can score. Earns most on online shopping (₹1,200) and groceries (₹960). Put in your own spending to see your figure, with the working shown.

Best credit cards for ₹50,000 a month · All guides

Base rate: 1% cashback.

What the bank says

• 1% cashback on all transactions: online, in store, contactless and all UPI payments through any UPI app
• Never-expiring coins on UPI transactions
• 2 railway lounge visits a quarter and 2 domestic airport lounge visits a quarter on ₹50,000 of quarterly spend
• 1% fuel surcharge waiver, up to ₹100 a statement
• Joining and annual fee ₹299

Things that catch people out

• AU’s page does not name the card’s network. UPI on a credit card works only on RuPay, so we treat it as RuPay.
• AU’s page does not state a cap on the 1% cashback, so none is applied.
• The 1% fuel surcharge waiver only offsets the surcharge and is not counted.

Joining fee: ₹299. Foreign currency markup: not published.

The facts

• Annual fee: ₹299
• Fee waived at: no waiver published
• Domestic lounge visits: not published
• Minimum income: not published

Read from AU Small Finance Bank’s own page on 2026-10-06.

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