Instant Digital Credit with RuPay UPI Merchant Payment Integration
UPI merchant payments, digital-first online shopping, quick merchant QR checkout, and food delivery
₹299
One-time upfront₹299
Waived on ₹50,000 annual spend1% cashback on all retail and merchant UPI transactions (capped at ₹500/month)
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Spont Credit Card is a modern RuPay-powered digital credit card tailored for smartphone-savvy consumers who execute daily retail transactions via QR scanning. Leveraging instant virtual card generation upon approval, it integrates seamlessly with UPI apps such as Google Pay, PhonePe, and Paytm, enabling credit-line spending at local merchants, grocery stores, and cafes. With a modest annual fee of ₹299 (fully waived on spending ₹50,000 annually), it serves as a lightweight everyday payment vehicle. Drawbacks include the absence of airport lounge access and the standard exclusion of peer-to-peer transfers from reward calculations. Who should consider it: Young consumers and digital shoppers looking to maximize RuPay UPI convenience with an instant virtual card and modest fee structure. Who should avoid it: High-spenders seeking premium airport lounge passes, concierge access, or luxury hotel perks.
1% Cashback on All UPI Spends (Up to Rs. 500)
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Transactions | 4 Reward Points per ₹100 spent on UPI (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Merchant UPI & Retail Spends | 1% cashback on e-commerce, POS, contactless, and UPI merchant transactions (capped at ₹500/month) | 500 INR (₹)/mo | Standard terms apply |
| General Spends | 2 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Transactions | ₹6,000 | 4 Reward Points per ₹100 spent on UPI (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Merchant UPI & Retail Spends | ₹6,000 | 1% cashback on e-commerce, POS, contactless, and UPI merchant transactions (capped at ₹500/month) | — | ₹500/monthly | Calculating... | Under cap |
| General Spends | ₹18,000 | 2 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹299
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for AU Spont Credit Card: • Eligibility: Salaried and self-employed Indian residents aged 21–60 with basic verifiable income. • Joining & Annual Fee: ₹299 + GST joining fee; ₹299 + GST annual renewal fee (Waived on spending ₹50,000+ in preceding year). • RuPay UPI Integration: Linkable directly to UPI apps for merchant QR payments across India. • Instant Virtual Card: Instant issuance of digital card details for immediate e-commerce and UPI usage. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 across petrol pumps. • Finance Charges: 2.99% per month (35.88% annualized) on unpaid balances. • Reward Accrual: Earn reward points on merchant retail transactions; P2P transfers excluded.
Evaluate whether this card's perks and waiver threshold justify its ₹299 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Spont Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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