AU Spont Credit Card
Designed for the UPI-first economy, the AU Spont Credit Card links directly to Google Pay, PhonePe, and Paytm for merchant QR scan-and-pay transactions. At a modest ₹299 annual fee, it rewards routine micro-spends with AU Coins while including 8 complimentary domestic airport lounge visits annually.
Why We Recommend The AU Spont Credit Card
Massively popular for routine daily QR scan payments with generous airport lounge perks attached.
Daily UPI power users looking for scan-and-pay rewards plus domestic airport lounge perks.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Spont Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.20 per Coin on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Spont Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Spont Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Spont Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Native RuPay integration for merchant UPI scan-and-pay transactions.
8 complimentary domestic airport lounge visits each year.
1% fuel surcharge waiver up to ₹1,200 annually.
Pros & Cons of the AU Spont Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Rare entry-level RuPay card offering 8 domestic airport lounge visits at just ₹299.
- Seamless linkage to Google Pay, PhonePe, and BHIM.
- Earns coins on micro-UPI transactions that regular cards ignore.
Things to Consider (Cons)
- Peer-to-peer (P2P) transfers are excluded from reward accrual.
- No international lounge perks.
- Base coin redemption rate is modest.
Who Can Apply for the AU Spont Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Spont Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AU Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
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AU Altura Plus Credit Card
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Ready to Apply for the AU Spont Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.