AUAU Small FinanceSpontRuPay
Spont Credit Card
AU Small Finance Bank · Cashback
1% cashback on all transactions; coins on UPI transactions via AU 0101 app.
- Joining fee
- ₹299
- Annual fee
- ₹299
- Waiver spend
- –
- Forex markup
- 3.49%
Fee waiver
No spend-based waiver listed by the bank.
Work it out for this card
How the app counts rewards
- 1% cashback on all spends, including UPI
No rewards on education, fuel, insurance, rent.
Airport lounges
- Domestic: 2 visits a quarter
Needs ₹50,000 spend in the previous quarter
Who can apply
- Age 21 to 65
Resident Indian. Salaried 21 to 60 years; self-employed 25 to 65 years
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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