AU SPONT vs SBM ZET Credit Card 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 → |  SBM ZET Credit Card4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 2% on most spends | |
| UPI payments (scan and pay) | 1% | 2% | |
| Online shopping | 1% | 2% | |
| Dining and food delivery | 1% | 2% | |
| Groceries | 1% | 2% | |
| Travel: flights, hotels, trains | 1% | 2% | |
| Fuel | Earns nothing | Not stated | |
| Bills and recharges | 1% | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | Earns nothing | Not stated | |
| School and college fees | Earns nothing | Not stated | |
| Wallet top-ups | 1% | Not stated | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 2% | |
| Everything else | 1% | 2% | |
| Card identity | |||
| Card type | Cashback | Secured | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹299 + GST | Free | |
| Annual fee | ₹299 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Min age | 21 years | 18 years | |
| Max age | 65 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | - | |
| 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% | 2.49% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| UPI note | - | 2% on ZET UPI payments only with the paid ZET Plus plan (Rs 3 a day plus GST). | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.5% | |
| Interest rate (annual) | 45% | 42% | |
| Page content | |||
| 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 | |
| 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
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBM ZET Credit Card comes out ₹2,753 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 borrowers with no credit history
- Students and new earners
- People rebuilding a low credit score
- UPI users who want a credit line
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
- Credit limit is capped at 90% of your deposit
- UPI cashback needs the paid ZET Plus plan
- Food delivery discounts are small and capped
Card data sourced via CardAdvisor.in (AU SPONT Credit Card, SBM ZET Credit Card), 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 SBM ZET Credit Card?
SBM ZET Credit Card. SBM ZET Credit Card: no annual fee; AU SPONT Credit Card: ₹299. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBM ZET Credit Card has the lowest forex markup. SBM ZET Credit Card: 2.49%; AU SPONT Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBM ZET Credit Card 2%, AU SPONT Credit Card 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
Other Comparisons
- AU SPONT Credit Card vs HSBC Live Plus Credit CardSide by side →
- AU SPONT Credit Card vs Kiwi Credit CardsSide by side →
- AU SPONT Credit Card vs SBI Cashback Credit CardSide by side →
- SBM ZET Credit Card vs IOB ZET Credit CardSide by side →
- SBM ZET Credit Card vs DCB Novio Credit CardSide by side →
- SBM ZET Credit Card vs IDFC FIRST Quantum Plus Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
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 →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
