Cashback Never Ends
1% Cashback on all transactions like eComm, POS, Contactless and even all UPI transactions made via any UPI channel
Fuel Surcharge Waiver
Save more on your commutes. Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).
Railway Lounge Access
Relax before you travel with 2 Complimentary Railway Lounge Access per calendar quarter.
Domestic Airport Lounge Access
Unwind during your travel with 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving ₹50,000 spends in calendar quarter.
Things to know
Fees & Charges
Joining/Annual Fee: ₹299 + applicable taxes
Click here to view Key Fact Statement.
Eligibility Criteria
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
Note: These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Questions? Answers.
Will I receive a physical AU SPONT Credit Card?
AU SPONT will be a physical as well as virtual card both. Users can access digital card through digital channels such as AU0101, ChatBot, IVR and Website.
How can I make UPI payments via AU SPONT Credit Card?
- Download the UPI Third Party Application (eg. BHIM, GPay and Mobikwik) from the Play Store/App Store.
- Verify the Mobile Number on the UPI Application and complete registration- on application.
- Post successful registration, select the option “Add Credit Card/ Link Credit Card”.
- Select Credit Card Issuer Bank (AU Small finance Bank).
- Select your AU Small Finance Bank Credit Card to be linked.
- Confirm the details displayed on the screen.
- Proceed to generate UPI PIN (if not already done).
When will be my cashback get posted?
Cashback will be posted in the statement date and will be reflected in your monthly statement.
Where can I check my Coins balance?
Login to AU0101 application → AU SPONT Credit Card → My Coins Section.
Will I be able to register my RuPay Credit Card on UPI, if my mobile number on UPI application is not linked with RuPay Credit Card?
For a user to register their RuPay Credit Card on UPI application they must have the same mobile number linked with their RuPay Credit Card and UPI application.
How can I link my AU RuPay Credit Card on UPI application if I have changed my mobile number?
If a user has changed their mobile number, they must update the same for RuPay Credit Card too. Post updating, they have to re-register their Credit Card on UPI application.
Can I convert my UPI transaction done on RuPay Credit Card to EMI?
Yes, you can convert your eligible RuPay Credit Card transactions to EMI.
Will I be able to make payments to all the UPI enable merchants across the globe?
Users can only make transactions on domestic merchants via UPI enabled RuPay Credit Card.
Can I authenticate UPI transactions using AU Small Finance Bank RuPay Credit Card Pin?
No. You will have to set a separate UPI Pin to authenticate payment transactions using AU RuPay Credit Card via UPI App.
How do I set my daily limit on UPI CC or switch off transactions on it?
A user can set the daily transaction amount limit for UPI on AU RuPay Credit Card transactions by setting the limit on POS Usage in AU 0101 application. If they wish to switch off UPI transactions on AU Credit Card, they can disable POS usage limit in AU 0101 application.
If my AU RuPay Credit Card is renewed, do I need to link it on UPI again?
Yes, a user will require to re-link their AU RuPay Credit Card with UPI application if they have renewed their RuPay Credit Card.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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40+ lakh customers banking on app
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