AU SPONT vs Kiwi RuPay
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kiwi RuPay Credit Card wins 4 of 8 dimensions with a CardTrail Score of 6.3/10 vs 7.2/10.
| Feature | AU SPONT | Kiwi RuPay |
|---|---|---|
| CardTrail Score | 7.2/10 | 6.3/10 |
| Annual Fee | ₹299 | Free |
| Base Reward Rate | 1% | 1.5% |
| Max Reward Rate | 1% | 5% |
| Forex Markup | 3.5% | 2.75% |
| Domestic Lounges | 2 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | No |
| Network | RuPay | RuPay |
When to Choose AU SPONT
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: upi, cashback, everyday
When to Choose Kiwi RuPay
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹750/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 1%
- Your primary spend is: upi, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU SPONT costs ₹4,130 in forex fees vs Kiwi RuPay at ₹3,245. You save ₹885/year with Kiwi RuPay.
Annual Fee Value Analysis
To break even on AU SPONT's ₹299 fee at 1% rewards, spend ₹2,492/month.
Kiwi RuPay is lifetime free — no break-even needed.