Spent N / Credit guide Active for eligible members

A clearer way to move

Credit that takes you somewhere.

Your Spent N Credit is a simple, spend-only balance for the booking you need next. Here is how it works.

Your limit, your next move

Use your Credit across India.

Whether it is a hotel stay, a train ticket, a meal, or a service, Spent N makes eligible spending clear, useful, and easy to explain. Credit stays in the app and goes straight toward the booking you need.

Know your Credit

Take control of your Credit

Made for bookings, not withdrawals.

Use your Credit at Spent N checkout for eligible travel, food, and service bookings.

Clear from the start.

Every grant shows its available limit, permitted categories, and expiry date in the app.

Credit first. Copay when needed.

When a booking costs more than your balance, pay the difference securely in-app.

Safe at every step

Credit that stays in your control.

Your Credit is designed to move through a booking, with every step visible and every boundary clear.

Your limit is clear from the start

Eligibility shows you the Credit limit, booking categories, and expiry date before you spend.

Spend only where it is meant to go

Use Credit at Spent N checkout for hotels, meals, journeys, and supported services.

Your balance stays protected

Credit cannot be withdrawn, transferred, or sent to a bank account or UPI ID.

How we protect your Credit