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Personal Banking > Credit Cards > AU SPONT Credit Card

Top Feature of AU SPONT Credit Card

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Cashbacks on all Transactions*

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Attractive Milestone Benefits

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Earn Coins on UPI spends through AU0101 application and redeem for gifts & Gadgets

    Introducing AU SPONT Credit Card

    Turning ALL your spends into Big Rewards!

    Imagine a Credit Card that rewards you for every single transaction, no matter how big or small. From a Chai at your favourite office tea stall to the latest smartphone; rewards, convenience, and special offers are yours to take wherever you go, at all times!

    For your spontaneous and on-the-go transactions, AU Small Finance Bank brings to you AU SPONT Credit Card. A Credit Card that you can link with UPI, use on-the-go and earn cashbacks on each spend! What’s more? Even your smallest payments bring you never-expiring Coins that are redeemable for special gifts and gadgets.

    So, get ready to make little payments with large benefits with AU SPONT Credit Card.

Feature & Benefits of AU SPONT Credit Card

Cashback Never Ends

  • • 1% Cashback on all UPI transactions made via any UPI channel.
  • • 1% Cashback on all other transactions like eComm, POS & Contactless transactions.
 
T&C apply. Cashback is not applicable on Fuel, Rent, Govt. & Education, Cash Withdrawals, EMIs & Insurance spends. Cashback is capped at ₹500 per statement cycle.

Fuel Surcharge Waiver

  • • Save more on your commutes. Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).

Earn Coins on UPI transactions

  • • Earn never-expiring coins with UPI transaction using your AU SPONT Credit Card.
    • Earn 5 coins on each UPI transaction made on AU 0101 App.
    • Earn 500 coins on first UPI transaction made on AU 0101 App.
 
Collect coins over time and redeem them from our specially curated rewards catalogue at AU Rewardz.

Domestic Airport Lounge Access

  • • Unwind during your travel with 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹30,000 spends in previous quarter.
  • • For eligible list of Domestic Airport lounges click here. For detailed terms & conditions, click here.

Railway Lounge Access

  • • 2 complimentary lounge access per calendar quarter. For list of lounges and terms & conditions, click here.
  • • Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

Card Liability Cover

  • • In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
  • • Also, you are protected against Card Counterfeit/Skimming and Online frauds.
 
Please click here to view detailed terms and conditions.

Contactless Convenience

Tap and pay securely at participating merchants for amounts up to ₹5,000 without entering a PIN.

Xpress EMI

Convert transactions of ₹2,000 or more into easy EMI options on tenure of your preference.
Simply call our Customer Care helpline to book your XpressEMI.

Add-on Cards

Extend the benefits to your loved ones with our Complimentary Lifetime-Free Add-on Card offering. Transform your everyday spends into exciting rewards with AU SPONT Credit Card and enjoy convenience of UPI every step of the way!

Joining/Annual Fee: ₹299 + applicable taxes

Click here to view Key Fact Statement

Eligibility Criteria

  • • Age Range: 21 to 60 years
  • • Citizenship: Resident Indian
(Please note: Criteria is indicative; approval is subject to AU Small Finance Bank's discretion.)

FAQs – AU SPONT Credit Card

 

Q1. Will I receive a physical AU SPONT Credit Card?

AU SPONT will be a physical as well as virtual card both. Users can access digital card through digital channels such as AU0101, ChatBot, IVR and Website.

Q2. How can I make UPI payments via AU SPONT Credit Card?

  • Download the UPI Third Party Application (eg. BHIM, GPay and Mobikwik) from the Play Store/App Store.
  • Verify the Mobile Number on the UPI Application and complete registration- on application.
  • Post successful registration, select the option “Add Credit Card/ Link Credit Card”.
  • Select Credit Card Issuer Bank (AU Small finance Bank).
  • Select your AU Small Finance Bank Credit Card to be linked.
  • Confirm the details displayed on the screen.
  • Proceed to generate UPI PIN (if not already done).

Q3. When will be my cashback get posted?

Cashback will be posted in the statement date and will be reflected in your monthly statement.

Q4. Where can I check my Coins balance?

Login to AU0101 application → AU SPONT Credit Card → My Coins Section.

Q5. Where can I view product offers for spont Card?

You can visit offers.aubank.in to claim your eligible offers.

Q6. From where I can apply for AU SPONT Credit Card?

AU SPONT Credit Card can be applied through AU0101 application only.

Q7. Will I be able to register my RuPay Credit Card on UPI, if my mobile number on UPI application is not linked with RuPay Credit Card?

For a user to register their RuPay Credit Card on UPI application they must have the same mobile number linked with their RuPay Credit Card and UPI application.

Q8. How can I link my AU RuPay Credit Card on UPI application if I have changed my mobile number?

If a user has changed their mobile number, they must update the same for RuPay Credit Card too. Post updating, they have to re-register their Credit Card on UPI application.

Q9. What will be the maximum number of transactions I can make on UPI application using my RuPay Credit Card?

There is a daily limit on number of transactions a user can make on UPI application set by NPCI.

Q10. Can I convert my UPI transaction done on RuPay Credit Card to EMI?

Yes, you can convert your eligible RuPay Credit Card transactions to EMI.

Q11. Will I be able to make payments to all the UPI enable merchants across the globe?

Users can only make transactions on domestic merchants via UPI enabled RuPay Credit Card.

Q12. Can I authenticate UPI transactions using AU Small Finance Bank RuPay Credit Card Pin?

No. You will have to set a separate UPI Pin to authenticate payment transactions using AU RuPay Credit Card via UPI App.

Q13. How do I set my daily limit on UPI CC or switch off transactions on it?

A user can set the daily transaction amount limit for UPI on AU RuPay Credit Card transactions by setting the limit on POS Usage in AU 0101 application. If they wish to switch off UPI transactions on AU Credit Card, they can disable POS usage limit in AU 0101 application.

Q14. Are there any mandatory requirements prior to linking AU Small Finance Bank RuPay Credit Card on UPI application?

Yes, before linking the AU RuPay Credit Card to your UPI application it should be activated and POS enabled, however your AU Credit Cards are POS enabled by default unless switched off by customer on AU 0101 Application.

Q15. If my AU RuPay Credit Card is renewed, do I need to link it on UPI again?

Yes, a user will require to re-link their AU RuPay Credit Card with UPI application if they have renewed their RuPay Credit Card.

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