Skip to main content
Credit CardsComparisons

AU Bank Spont Credit Card vs Uni GoldX RuPay Credit Card

A head-to-head comparison of AU Bank Spont Credit Card and Uni GoldX 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

Uni GoldX RuPay Credit Card

UPI + Everyday Digital Payments

Annual Fee
Lifetime Free
Reward Rate
Up to 5% rewards on UPI and eligible spends
Apply Now Read full review →

Feature comparison

FeatureAU BankUni GoldX
Annual Fee₹299 + GSTLifetime Free
Reward Rate1% cashback on all UPI + POS spends (capped ₹500/month)Up to 5% rewards on UPI and eligible spends
Best ForEveryday UPI & Offline SpendersUPI + Everyday Digital Payments
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankUni GoldX
UPI payments
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Spont Credit Card if:

  • You spend heavily on airport lounge access

Choose Uni GoldX 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

Uni GoldX RuPay Credit Card

What's good
  • Lifetime free card with no annual or joining fee
  • RuPay network support for UPI scan-and-pay transactions across major UPI apps
  • Simple rewards structure aimed at frequent daily digital payments
Watch out for
  • Reward rates, caps, and exclusions can vary by merchant category and ongoing issuer terms
  • Benefit value depends heavily on UPI spending behavior
  • No premium travel benefits like airport lounge access
Apply Now
Browse all cards·Try the card recommender →