AU SPONT Credit Card

1. Earn Coins on UPI Transactions: For each UPI transaction made through the AU0101 app using your AU SPONT Credit Card, earn 5 coins, providing an additional reward mechanism for your digital payments.
2. Bonus Coins for First UPI Transaction: Receive 500 coins on your first transaction made via the AU0101 app, giving you a head start on accumulating rewards.
3. Redeem for Gifts & Gadgets: The coins you earn never expire and can be redeemed for a variety of gifts and gadgets from a specially curated rewards catalogue, ensuring that every transaction brings you closer to exciting rewards.

Complimentary Lounge Access

1. Domestic Airport Lounge Access: Relax and unwind during your travels with 2 complimentary accesses to domestic airport lounges per quarter, provided you spend Rs.30,000 in the previous quarter. This benefit enhances your travel experience with comfortable seating, free refreshments, and more.
2. Railway Lounge Access: Enjoy 2 complimentary accesses to railway lounges per calendar quarter, offering a comfortable waiting experience with amenities like Wi-Fi, charging points, and refreshments.

Comprehensive Card Protection

1. Zero Liability on Lost Card: In the unfortunate event of losing your credit card, you are not held liable for any fraudulent transactions that occur after reporting the loss to the bank, providing peace of mind and financial protection.
2. Fraud Protection: The card also offers protection against counterfeiting, skimming, and online fraud, ensuring your transactions are secure.

Seamless Contactless Payments

1. Tap and Pay: Make quick and secure payments by simply tapping your card at participating merchants for amounts up to Rs.5,000 without needing to enter a PIN. This feature enhances convenience and speeds up the checkout process.

Flexible EMI Options

1. Xpress EMI: Convert purchases of Rs.2,000 or more into easy EMI options by calling customer care. This feature allows you to manage your finances better by spreading the cost of large purchases over a period that suits you.

Additional Cards

1. Complimentary Add-on Cards: Extend the benefits of your AU SPONT Credit Card to your loved ones with complimentary lifetime-free add-on cards. This allows family members to enjoy the same rewards and conveniences without additional costs.

Eligibility Criteria for AU SPONT Credit Card

1. Age Range: Applicants must be between 21 and 60 years of age.
2. Citizenship: Only residents of India are eligible to apply.
3. Monthly Income: Applicants must have a minimum monthly income of Rs.10,000.

Fees and Charges for AU SPONT Credit Card

1. Joining Fee: Rs.299 + applicable taxes
2. Annual Fee: Rs.299 + applicable taxes

How to apply for an AU SPONT Credit Card

Applying for the AU SPONT Credit Card through the AU0101 application is designed to be a straightforward and secure process:

1. Step 1: Start by visiting the Google Play Store or Apple App Store on your smartphone. Search for the AU0101 app developed by AU Small Finance Bank. Download and install the application on your device.
2. Step 2: Once the installation is complete, open the AU0101 app. If this is your first time using the app, you will need to create an account. If you already have an account, simply log in using your credentials.
3. Step 3: For new users, the app will prompt you to register. You will need to provide your mobile number and email address and set up a password. Follow the instructions to complete your registration. For existing users, log in using your registered details.
4. Step 4: Upon logging in, navigate to the credit card section within the app. This is typically found in the main menu or under a section labelled 'Products' or 'Services'. Select the AU SPONT Credit Card from the list of available cards.
5. Step 5: Begin the application by filling out the required form. You will be asked to provide details such as your full name, date of birth, residential address, employment details, and monthly income. Accurate information is crucial as it will be verified by the bank.
6. Step 6: Upload Required Documents. You will need to upload documents to verify your identity and income. These include a government-issued ID (such as an Aadhaar card, passport, or voter ID), Proof of address (such as a utility bill or rental agreement) and Proof of income (like salary slips, recent bank statements, or income tax returns). Make sure the documents are clear and in the required format to avoid delays.
7. Step 7: Review Your Application. Double-check all the information you have provided in the application form and the documents you have uploaded. Ensuring accuracy will help prevent delays in processing your application.
8. Step 8: Submit Your Application. Once you have reviewed all the details and are certain they are correct, submit your application. The app will guide you through the submission process.
9. Step 9: After submission, your application will be processed by the bank. This involves verification of the documents and information provided, and possibly a credit assessment. You will receive updates on the status of your application through the app or via email.
10. Step 10: If your application is approved, you will be notified, and your AU SPONT Credit Card will be dispatched to your registered address. Once you receive the card, follow the activation instructions provided by the bank to start using it.

How to make UPI payments using your AU SPONT Credit Card

By following these steps, you can seamlessly utilise your AU SPONT Credit Card for UPI payments through your preferred UPI third-party application:

1. Step 1: Begin by downloading a UPI third-party application from the Play Store or App Store. Popular options include BHIM, GPay (Google Pay), and Mobikwik. Install the application on your smartphone.
2. Step 2: Open the UPI application and follow the on-screen instructions to verify your mobile number. This typically involves entering your mobile number and then confirming it via an OTP (One-Time Password) sent to your mobile number. Complete the registration process as guided by the application.
3. Step 3: Once your mobile number is verified and registration is complete, navigate to the option within the application to ‘Add Credit Card’ or ‘Link Credit Card’. This option is usually found in the settings or payment methods section of the application.
4. Step 4: When prompted to choose the issuer bank for your credit card, select ‘AU Small Finance Bank’ from the list of available banks. This ensures that your AU SPONT Credit Card is correctly linked to the UPI application.
5. Step 5: After selecting AU Small Finance Bank as the issuer bank, you'll be presented with a list of credit cards associated with AU Small Finance Bank. From this list, locate and select your AU SPONT Credit Card.
6. Step 6: Review the details displayed on the screen, including the selected credit card and linked bank information, to ensure accuracy. Once you have confirmed that the details are correct, proceed to confirm the linking process.
7. Step 7: With your AU SPONT Credit Card successfully linked to the UPI application, you can now start making UPI payments using your credit card. Simply select the UPI payment option within the application, enter the recipient's UPI ID or scan their QR code, specify the amount, and authenticate the transaction using your UPI PIN.

How to Log in to AU SPONT Credit Card via NetBanking

Here is a step-by-step guide specific to logging in to manage your AU SPONT Credit Card:

1. Step 1: Open your web browser and navigate to the AU Bank NetBanking login page.
2. Step 2: On the NetBanking homepage, ensure that you are on the Personal Banking section.
3. Step 3: Once in the Personal Banking section, look for a menu or tab labelled Credit Cards’. Click on “Credit Cards” to proceed.
4. Step 4: Select AU SPONT Credit Card. Within the Credit Cards section, find and select ‘AU SPONT Credit Card’ from the list of available credit card options.
5. Step 5: Enter Your Username. Type your username into this field.
6. Step 6: Enter Your Password. Enter your password. Ensure that Caps Lock is off and that you enter the password correctly.
7. Step 7: Complete the Captcha. Look for the captcha code area, which is designed to ensure that you are not a robot. Enter the captcha code as shown in the image into the appropriate field. If the captcha is unclear, you can usually request a new one by clicking a refresh button near the captcha.
8. Step 8: Use Virtual Keypad (Optional). If you prefer to use a virtual keypad for security reasons, click on the ‘Use Virtual Keypad’ option. A virtual keyboard will appear on your screen. Use your mouse to click on the keys to enter your password.
9. Step 9: Once you have filled in all the required fields, click on the login button labelled ‘Submit’.

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