ELIGIBILITY CRITERIA
Primary cardholder: Salaried — 21 to 60 years; Self-employed — 25 to 65 years. Add-on cardholder must be over 18 years. Applicant must be an Indian resident.
WELCOME BENEFITS
Earn 500 coins on first UPI transaction via AU 0101 app. Other than that, no additional welcome bonus or joining vouchers are explicitly mentioned on the official page.
CARD REVIEW
The AU SPONT Credit Card is ideal for those seeking a low-cost, no-frills credit card with simple cashback on everyday UPI/purchase transactions. Its low fee and flat 1% cashback — along with fuel surcharge waiver, coin-based rewards and EMI flexibility — make it a practical choice for moderate spenders and those new to credit cards. However, the limited cashback cap (₹500/month) and exclusions on many spend categories (fuel when above cap, rent, education, insurance, EMIs, cash withdrawals) mean heavy spenders or those with diverse expense profiles may find returns modest.
