AU SPONT Credit Card vs Kiwi Credit Cards Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  AU SPONT Credit CardAU Small Finance Bank5 recent changes → |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 1% base, up to 1.5% on UPI payments | |
| UPI payments (scan and pay) | 1% | 1.5% | |
| Online shoppingsame | 1% | 1% | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-ups | 1% | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Cashback | Cashback | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹299 + GST | Free | |
| Annual fee | ₹299 + GST | Free | |
| Lifetime free | No | Yes | |
| First year free | No | Yes | |
| Eligibility | |||
| Min age | 21 years | 22 years | |
| Max age | 65 years | 55 years | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 720 | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | ₹250 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 0 | - | |
| Railway lounge visits | 8 | - | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.99% | |
| Interest rate (annual) | 45% | 47.88% | |
| Redemption | |||
| Redemption method | - | Bank transfer | |
| Redemption fee | - | ₹0 | |
| Page content | |||
| Eligibility | - | Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹353
- You keep
- ₹2,047
- Rewards a year
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
At this spend, Kiwi Credit Cards comes out ₹653 a year ahead of AU SPONT Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Heavy UPI users
- First-time card users
- People who want simple cashback
- First-time credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
Watch-Outs
- No stated fee waiver
- Cashback capped at Rs 500 a month
- Airport lounges need Rs 50,000 spend in the previous quarter
- 3.49% forex markup
- Headline 5% needs the paid Neon plan and big spends
- Only about 0.5% on non-UPI online spends
- Kiwis redeem only in blocks of 500 (Rs 125)
- 3.5% forex fee makes it poor abroad
Card data sourced via CardAdvisor.in (AU SPONT Credit Card, Kiwi Credit Cards), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU SPONT Credit Card or Kiwi Credit Cards?
Kiwi Credit Cards. Kiwi Credit Cards: no annual fee; AU SPONT Credit Card: ₹299. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
AU SPONT Credit Card has the lowest forex markup. AU SPONT Credit Card: 3.49%; Kiwi Credit Cards: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: AU SPONT Credit Card 1%, Kiwi Credit Cards 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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