AU Small Finance Bank · Scored card guide

AU SPONT

1% eligible cashback up to ₹500 per statement cycle. Confirm your actual channel, merchant code and eligibility.

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Where it pays

AU issuer page (updated July 2026) says 1% cashback on eligible e-commerce, store/contactless and UPI transactions, capped ₹500 per statement cycle, credited on statement date. Fuel, rent, government, education, cash withdrawals, EMI and insurance are excluded. Utilities and Tata-specific merchant coding are not established here, so no score for those broad categories. Extra UPI coins, milestones, lounge access and surcharge waivers are omitted. ₹299 joining and annual fee plus GST; the issuer lists no renewal waiver for this card. Verify current account-specific offer and card terms before applying.

Modeled annual cost: ₹299 plus estimated 18% GST; no renewal waiver assumed.

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/au-spont-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.

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