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There is not a minimum SPEND per-se for credit card users, but the listings you offer up must have a good enough popularity to be accepted in teh first place (a dozen or so searches per month will do the trick) AND the click through rate has to be reasonable to stop your listing from getting dropped.
Combine these two and you get an effective minimum spend but it is not defined like this. The minimum BID is 10 pence per visitor, but I guess you knew that.
I think you need to put £50 "behind the bar" to start though.
I searched the web for related information and found a website saying the minimum monthly spend is 20 pounds (http://www.paid-placement.co.uk/overture-network.htm). And I also sent an email asking Overture UK office about the minimum spend. They replied emphasizing on the 50 pound deposit and didn't say anything about the monthly expense.
I'm not sure which one is correct. So I came here for help.