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Matching your question with relevant cards and trade-offs.
Grounded in verified card data — exact cards, ranked matches, comparisons, and an honest no-result when we cannot confirm.
Ranked by how well they match the query, not by commission.
SimplifyCards take: Top 7 picks for this query.
Lifetime free card, Optimized for upi and lifetime free.
Lifetime free card, Optimized for travel and rail, featuring low 0% forex markup and complimentary lounge access.
Optimized for phonepe and online shopping.
Optimized for upi and gen z.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
Optimized for tata neu and tata brands, featuring low 1.99% forex markup and complimentary lounge access.
| Feature | YES Bank Kiwi Credit Card | AU ixigo Credit Card | PhonePe SBI Card PURPLE |
|---|---|---|---|
| Best for | upi, lifetime free, cashback | travel, rail, forex | phonepe, online shopping, upi |
| Reward rates | 1.5% - Base reward rate | 0.1% - Base reward rate upto 0.6% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate |
| Annual fee | Rs 0 | Rs 0 | Rs 499 |
| Fee waiver spend | - | - | Rs 1 lakhs |
| Domestic lounge | 0 | 8 | 0 |
| International lounge | 0 | 1 | 0 |
| Forex markup | 3.5% | 0% | 3.5% |