Spoon presents

Designed to drive innovation, the Spoon Business Card is designed for businesses with an acumen on credit and financial planning. Pay quicker and smarter with our credit card that is specially curated for your business needs.

You Take the Credit.

With the Spoon Business Card, you can

  • Avail a higher Credit Limit compared to a Personal Credit Card
  • Budget your monthly credit limit
  • Instantly increase/decrease the credit limits
  • Monitor spends across categories
We got you covered.

Say goodbye to the tedium of tracking and analysing your spending history. 

  • Get real-time notifications on every business expense
  • Monthly and yearly statements of your spending
  • Monitor, block and unblock your subscriptions anytime, anywhere.
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 business needs.

Be it acquiring assets or paying your vendors - do it smart with our business credit card. What’s more - get Spoon Business Cards for multiple members of your team, and make a one-time payment for all the cards at the end of the month!

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

Spend big, earn bigger - Get assured offers or rewards on all your purchases. Convert your rewards into cash back and budget it on your succeeding month’s business expenditure.

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.

    Grow your business with credit based financing. Sign up for Spoon Business Card.

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