Spoon presents
First!

Spoon presents the path to building credit history like no other - Exclusively for Young Millennials & GenZ. We use modern tech to enable you to build secure credit, stay away from unnecessary debt, and help with responsible spends.

Learn the art of spending responsibly

View all transactions, track your expenses: All in one app which will guide you to save money and avoid unwanted spends.

Build your credit score like a pro! No credit history required with us!
  • Begin building your credit history the right way with Spoon. You don't even need a credit score to apply!
  • Analytical data driven insights to help you make informed decisions about your credit score
  • Manage your profile and gain beneficial ways to build your score
Stolen Card scare?
Say no more.
  • Freeze and unfreeze your card with just one click on the app
  • You’re in complete control: Easy toggling between contactless payments, swipes, online transactions and ATM withdrawals .
One destination for all your subscription needs

Want uninterrupted binge watch sessions with Netflix or listen to never ending music with Spotify or want access to a never ending list of great food via Zomato?
Whatever be your cravings, we have got all your subscriptions under one roof.

Psst Psst... did we mention that you get rewards for everything?

That’s not all. These rewards can convert into great offers and cash-backs which are actually useful. All this while building a strong credit score which will reap benefits in the long run.

Question 1

How is a credit card different from a debit card?

Simply speaking, a debit card allows you to draw on the funds you’ve already deposited in your account, while a credit card allows you to borrow money up to a pre-set limit be it for withdrawals or expenditures.

Question 2

What is a secured credit card?

A secured credit card is backed by a deposit that is used as collateral. Your credit limit will be determined as a percentage of your deposit, else, will function just as a normal credit card does.

Question 3

What are the benefits of a secured credit card?

  • Helps you build your credit score
  • Earns interest on your deposited funds
  • Reward points for making payments
  • Benefits of Revolving Credit, allowing you to pay back in full or in part and carry forward outstanding balances to the next billing cycle
Question 4

How does a secured credit card help build my credit score?

A secured card is meant for those who are looking to improve or build up their credit score from scratch. Making payments on time, maintaining sufficient balance and avoiding overspending can all contribute to your creditworthiness, thus allowing you to apply for a regular credit card or loans in the future.

Question 5

Can I be rejected for a secured credit card?

Nope, Spoon First will not deny you a credit card irrespective of whether or not you have a credit score. However, if you happen to have a pattern of late payments, a bankruptcy record, or other suspicious activities, your card could be rejected/cancelled.

    Boost your Credit Score today!
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