The term 'SPOT ON PLAYING CARD' can be solved by the three-letter word 'PIP'. Pips are the small symbols on playing cards that indicate their value. They are usually located in the center of the card and are typically circles, diamonds, hearts, or spades. The term 'spot on' is often used to describe something that is accurate or correct, so the phrase 'spot on playing card' could refer to a card with its pips in the correct position.