Cashback SBI Credit Card vs KIWI UPI RuPay Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
SBI Card
★ 4.7 / 5.0
Cashback SBI Credit Card
Online Shopping, E-commerce, Food Delivery & General Outlays
YES Bank
★ 4.7 / 5.0
KIWI UPI RuPay Credit Card
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.7 / 5.0
★ 4.7 / 5.0
Annual Fee
₹999 + Taxes
Lifetime Free
Fee Waiver Condition
Annual fee waived on ₹2 Lakh annual retail spends
Lifetime Free credit card with zero joining and zero annual maintenance fees
Reward Rate
5% cashback on online spends; 1% cashback on offline spends
Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)
Finance APR
3.75% per month (45% per annum)
3.75% per month (45% per annum)
Welcome Offer
Auto-credited statement cashback on online and offline transactions
Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback
Top Perks
- • 5% cashback on eligible online purchases (capped at ₹2,000 per statement cycle)
- • 1% cashback on all eligible offline retail purchases (capped at ₹2,000 per statement cycle)
- • Automatic cashback statement credit within 2 days of statement generation
- • 1% fuel surcharge waiver valid across all petrol pumps in India for transactions between ₹500 and ₹3,000 (capped at ₹100 per statement cycle)
- • 1.5% base cashback (6 Kiwis per ₹100 spent) on all eligible UPI Scan & Pay transactions
- • Up to 5% milestone cashback upon reaching annual UPI spend thresholds via Neon program
- • 1 Kiwi = ₹0.25 cashback valuation, redeemable as statement credit
- • Instant virtual card issuance and direct UPI QR scanning inside Kiwi App
Best Suited For
Online Shopping, E-commerce, Food Delivery & General Outlays
Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends