Spoon presents

Join the exclusive waitlist to redeem 500 credit scores!

The new age of banking is here! Sloth takes payments with credit cards on a new level.
Truth be told, It’s a go-to option for all your instant purchases. We want to help the next generation of credit card owners gain financial independence.

Top-Level Security

We ensure that all your personal data and transactions are polymorphic, encrypted with our compliance partner skyflow, and secured so what’s yours remains will only stay with you.

Top- Level Customer satisfaction

At the end of the day, we want you to live hassle-free! The quality of service helps you spend RESPONSIBLY.

Sign-up at your comfort.

Download and sign-up on our app. With your mobile number and PAN Card/Aadhar card details, we onboard you for your UPI payments.

Scan and pay with Sloth

Stuck in a shopping queue? With our payment app, you can scan the QR code and pay the merchants.

Our billing cycle happens every 15 days

We have a 15-day billing cycle. Scan to keep making payments at your desired places.

Question 1

What is Sloth?

Sloth is an app integration that allows you to make payments with a single click. We suppress no extra charges until you pay for your bill by the end of the month. Once you download the app you get credits worth Rs.500. This credit can be used to pay merchants that accept UPI payments. Later, you can pay your Spoonbill according to our billing cycle - on the 15th and the 30th. We guarantee you safe payments at ease anytime, anywhere.
Sloth is a free app that one can use to pay anyone that accepts UPI. You can also pay bills or allow others to make payments to you with Sloth.

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.