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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

SPONT

Best forInsurance & Utilities
Earns1% cashback% cashback on insurance
1st Year / Joining Fee
₹299 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on insurance and utilities, where it earns 1% cashback% cashback

How you earn

Reward rates at a glance — exactly as recorded for this card.

Insurance1% cashback% cashback
Utilities1% cashback% cashback
Groceries1% cashback% cashback
Dining1% cashback% cashback
Food Delivery1% cashback% cashback
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Utilities1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Dining1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Food Delivery1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Shopping1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Travel1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
FASTag1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Jewellery1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.
Telecom1% cashback% cashback₹500 per statementAU SPONT: 1% cashback on retail & UPI
Details
Status
Verified
Source
SRC-AU-11
Issuer note
AU SPONT: 1% cashback on retail & UPI; statement cashback cap ₹500. UPI Coins remain unmonetized.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹299 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
  • Multiple — ₹500 / statement (shared cap — Multiple)

Key benefits

Rewards
1% cashback% cashback on insurance

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at ₹500 / statement (shared cap — Multiple)
  • No reward on: Rent, Education, Fuel, Wallet
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 4 no-reward categories
Caps
  • Multiple — ₹500 / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — SPONT Official Product Documentation · SRC-AU-11 · 2026-09-23
SPONT₹299 1st year