Skip to main content
Credit CardsComparisons

AU Bank Spont Credit Card vs Kiwi RuPay Credit Card

A head-to-head comparison of AU Bank Spont Credit Card and Kiwi RuPay Credit Card 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

Kiwi RuPay Credit Card

UPI-First Spenders

Annual Fee
Lifetime Free
Reward Rate
1.5% on UPI Scan & Pay
Apply Now Read full review →

Feature comparison

FeatureAU BankKiwi RuPay
Annual Fee₹299 + GSTLifetime Free
Reward Rate1% cashback on all UPI + POS spends (capped ₹500/month)1.5% on UPI Scan & Pay
Best ForEveryday UPI & Offline SpendersUPI-First Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankKiwi RuPay
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 Kiwi RuPay Credit Card if:

  • Lower annual fee (₹Nil vs ₹299)

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

Kiwi RuPay Credit Card

What's good
  • 1.5% base cashback on UPI scan & pay — no annual fee, no spend requirement
  • Up to 5% cashback with Kiwi Neon (₹999/year) after ₹1.5L annual milestone spend
  • Instant virtual card issuance via YES Bank or AU Small Finance Bank — no income proof needed
Watch out for
  • Monthly cashback capped at 1% of credit limit (e.g., ₹500/month on ₹50K limit)
  • Online transactions earn only 0.5% cashback — designed primarily for offline UPI scans
  • No rewards on utilities, fuel, rent, insurance, telecom, education, jewelry, and government payments
Apply Now
Browse all cards·Try the card recommender →