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Credit CardsComparisons

AU Bank Spont Credit Card vs HDFC Shoppers Stop RuPay

A head-to-head comparison of AU Bank Spont Credit Card and HDFC Shoppers Stop RuPay across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A

AU Bank Spont Credit Card

Everyday UPI & Offline Spenders

Annual Fee
₹299
Reward Rate
1% cashback on all UPI + POS spends (capped ₹500/month)
Apply Now Read full review →
RuPay & UPICard B
Annual Fee
₹299
Reward Rate
UPI + Retail Rewards
Apply Now Read full review →

Feature comparison

FeatureAU BankHDFC Shoppers
Annual Fee₹299 + GST₹299 (No waiver — ₹2L spend gives bonus First Citizen Points instead)
Reward Rate1% cashback on all UPI + POS spends (capped ₹500/month)UPI + Retail Rewards
Best ForEveryday UPI & Offline SpendersFashion & UPI
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankHDFC Shoppers
UPI payments
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Spont Credit Card if:

  • You spend heavily on everyday spending
  • You spend heavily on airport lounge access

Choose HDFC Shoppers Stop RuPay if:

    Full pros & cons

    AU Bank Spont Credit Card

    What's good
    • 1% cashback on all eligible UPI and POS transactions — no category tracking needed
    • Very low income requirement: ₹10,000/month salaried — one of India's most accessible credit cards
    • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
    • Works with all UPI apps (PhonePe, Google Pay, BHIM) for QR scan-and-pay
    Watch out for
    • ₹500/month cashback cap limits returns for high-spend users (max ₹6,000/year)
    • Lounge access requires ₹50,000 spend in the previous quarter — steep for a ₹299 card
    • 3.49% forex markup — purely a domestic card; avoid for international use
    • Zero rewards on fuel, rent, education, government, insurance, EMI, and BBPS payments
    Apply Now

    HDFC Shoppers Stop RuPay

    What's good
    • Dual benefit of UPI rewards and in-store retail multipliers
    • Complimentary Shoppers Stop First Citizen membership
    • Exclusive access to Shoppers Stop sale events
    Watch out for
    • Niche rewards primarily useful only inside Shoppers Stop
    • Negligible cashback rate on spends outside Shoppers Stop
    Apply Now
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