AU Spont Credit Card 2025
Save up to ₹28,000+ every year with 5% lifestyle cashback, ₹1,000 vouchers & 4 lounge visits!
If you love dining, shopping, movies or weekend entertainment, the AU Spont Credit Card is currently the best lifestyle card under ₹500 fee!
You get 5% unlimited cashback on dining, shopping, entertainment, ₹1,000 Amazon/Flipkart vouchers on joining, 4 domestic lounge visits, 1% fuel waiver, zero forex on UPI (up to ₹5,000), and only ₹499 annual fee waived on just ₹75,000 spend.
Cashback as direct statement credit — no points, no expiry!
Why This Is The Best Lifestyle Card in 2025?
5% dining/shopping/entertainment • ₹1,000 vouchers • 4 lounge visits • Fee waiver ₹75K • Zero forex UPI • Instant cashback
Best for: Foodies, shoppers, movie lovers, weekend spenders, young professionals
Fee Waiver – ₹499 waived on ₹75,000 annual spend
Card At a Glance
₹499 + GST
₹499 + GST (Waived on ₹75K)
5% dining/shopping/entertainment
₹1,000 Vouchers
4 Domestic/year
3.5% (0% on UPI)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (Waived on ₹75K spend) |
| Welcome Benefit | ₹1,000 Amazon/Flipkart vouchers |
| Foreign Currency Markup | 3.5% (0% on UPI up to ₹5K) |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 5% unlimited cashback on Dining, Shopping, Entertainment
- 1% unlimited cashback on all other spends
- Cashback credited directly to statement
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹50,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on dining, shopping, entertainment | Only 4 lounge visits |
| ₹1,000 welcome vouchers | 3.5% forex (except UPI) |
| 4 domestic lounge visits | |
| Very low ₹499 fee + easy waiver | |
| Direct cashback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹30,000/month salary
- Credit Score: 700+
- Documents: PAN, Aadhaar, selfie (instant approval)
How to Apply Online (5-Minute Process)
- Visit AU Bank website → Credit Cards → Spont
- Click Apply Now → Enter mobile
- Video KYC in 2 minutes
- Virtual card instantly, physical in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ monthly on dining, shopping & entertainment, AU Spont gives you 5% real cashback + ₹1,000 vouchers + 4 lounge visits for just ₹499 fee (waived on ₹75K). Best lifestyle card under ₹500 — instant apply karo!
Frequently Asked Questions (FAQs)
5% on which categories?
Dining, shopping, entertainment — unlimited.
Welcome benefit?
₹1,000 Amazon or Flipkart vouchers.
Lounge access?
4 domestic lounge visits per year.
Fee waiver?
Yes, ₹499 waived on ₹75,000 annual spend.