AU Spont Credit Card
AU Spont Credit Card
1% cashback on all UPI spends (up to Rs. 500 per statement cycle)
5 coins on each UPI transaction via AU 0101 App
2 complimentary railway lounge visits per quarter
Personalized Match by CredHunt • credhunt.com
UPIfocused credit card offering cashback on UPI transactions, airport and railway lounge access with spending requirements
Joining Fee
₹299
Annual Fee
₹299
Rating
5.0/5.0(0 reviews)
Key Features
1% cashback on all UPI spends (up to Rs. 500 per statement cycle)
5 coins on each UPI transaction via AU 0101 App
2 complimentary railway lounge visits per quarter
2 free airport lounge visits quarterly (spend Rs. 30,000 in previous quarter)
1% fuel surcharge waiver (Rs. 4005,000)
3.5% foreign currency markup
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
5 reward points per ₹150 spent on other transactions
Point Value
₹0.25/pt
Points Expiry
N/A
Bonus Rewards
Welcome Offer
6,000 reward points worth ₹6,000 upon payment of joining fee
Accelerated Rewards
5X rewards on SmartBuy portal; 10X rewards on selected categories
Card Benefits
Travel Benefits
12 visits
Not specified
Dining & Entertainment
Up to 20% off at restaurants through Swiggy Dineout
5% cashback on movie ticket bookings (min ₹100, max ₹100 per statement cycle)
Lifestyle & Protection
INOX privileges
Personal accidental death coverage
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | 0.4996 |
| Late Payment Fee | N/A |
| Fuel Surcharge | 5X reward points on fuel (max 1000 points in a month) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spending ₹1 lakh annually
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹18L+
Expert Opinion
Good premium travel card with strong benefits but relatively expensive compared to lifetime free options; metal construction adds prestige
Customer Reviews
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