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AU SPONT Credit Card
AU Small Finance • Visa

AU SPONT Credit Card

Lifestyle-oriented AU card with light acceleration on shopping and dining spends.

Annual FeeFreeLifetime free positioning as per issuer page snapshot
Base Reward0.4%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,751Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,440

Assumes base reward rate only.

Annual feeWaived

Lifetime free positioning as per issuer page snapshot

Net value₹1,440

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.5%
Dining
1.5%
Basedefault
0.4%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • AU SPONT Credit Card is best positioned for lifetime free and shopping with a practical ceiling near 1.5% headline earn rates.
  • Cashback economics are most compelling when monthly routing is deliberate and exclusions are tracked.
  • No lounge footprint is currently mapped, so this card should be evaluated mainly on spend return and fee efficiency.

Best Utilization

  • Route the card to lifetime free and shopping transactions first, then shift spillover to a backup card after caps.
  • Use as a focused primary card only where reward eligibility remains clear and repeatable.
  • Use it as a no-cost specialist card in a two-card setup instead of forcing all spending through one product.

Watchouts

  • Return quality depends on eligible merchant/category mapping, so spend classification drift can hurt outcomes.
  • No complimentary lounge access is currently mapped for this card.
  • Promotional earn rates and partner tie-ups can change; re-check issuer terms before relying on edge cases.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU KOSMO Credit Card

Annual fee: Free

Shared focus: Lifetime Free, ShoppingHigher product tier within same bankHigher top earn rate (2.0%)
View Details
Step 2

AU ABC Pro Credit Card

Annual fee: ₹499

Shared focus: Shopping, DiningHigher top earn rate (2.5%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU SPONT Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • No-fee usage proposition for entry users
  • Category-focused savings on shopping and dining
  • Partner offer stack where available
  • Digital servicing within AU app ecosystem

Things to Consider

  • Rewards are modest outside selected categories
  • Offer-led value is campaign dependent
  • Not positioned as a premium travel/lounge card

About AU SPONT Credit Card

AU SPONT Credit Card is a cashback card from AU Small Finance, best for young spenders wanting a no-fee au lifestyle card. It is tagged under lifetime free, shopping, dining, lifestyle categories in our database.

Lifetime FreeShoppingDiningLifestyle

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Frequently asked questions

Is AU SPONT Credit Card lifetime free?

AU SPONT Credit Card is lifetime free with no annual fee.

What rewards does AU SPONT Credit Card offer?

Lifestyle-oriented AU card with light acceleration on shopping and dining spends.

Does AU SPONT Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU SPONT Credit Card?

Young spenders wanting a no-fee AU lifestyle card

Where can I apply for AU SPONT Credit Card?

Check the issuer website for application availability.