AU Spont Credit Card
AU Spont Credit Card from AU Small Finance Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 299 | Reward type: Cashback | Best for: Shopping, Upi, Online Shopping
Estimated value per Rs 100 of eligible spend.
AU Spont Credit Card Overview
AU Spont Credit Card is an AU Small Finance Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like UPI, online shopping along with caps and exclusions.
Best For
AU Spont Credit Card is most useful when your spends regularly fall into UPI, online shopping.
Rewards
UPI
1x the base reward rate.
Monthly cap: Rs 500
online shopping
1x the base reward rate.
Monthly cap: Rs 500
Not Good For
- Spends in excluded categories such as fuel, rent, cash withdrawals, emi, insurance.
- International transactions if you need low forex markup; this card lists 3.5% markup.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 50,000 in a quarterly period.
- Spend Lifetime free in a quarterly period.
Zlash Verdict
Choose this card when shopping, upi, online shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of AU Spont Credit Card?
The listed annual fee is Rs 299.
What is AU Spont Credit Card best used for?
AU Spont Credit Card is most useful when your spends regularly fall into UPI, online shopping.
Does AU Spont Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, rent, cash withdrawals, emi, insurance.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.