SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, lifetime free, and kiwi, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on eligible UPI spends via kiwi, milestone rewards, and no annual fee.
Where value may drop
Fuel, rent, and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback and reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Cashback And Reward Points/yr |
|---|---|---|
| UPI payments | Rs 5,000 | 900 |
| Other spends | Rs 8,000 | 1,440 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
1.5% cashback on eligible UPI spends via kiwi, auto-credited with no points to manage.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Eligible UPI spends via Kiwi | 1.5% cashback |
| Kiwi Neon membership (Rs 999/yr)Eligible UPI spends via Kiwi Neon | 2% cashback |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- insurance premium payments
- gold or jewellery purchases
- utility and telecom bill payments
- toll and transportation payments
- educational services
- EMI transactions (including post-facto conversions)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000, capped at Rs 100 per month
- Redeem Kiwis instantly as cashback into bank account via UPI at a rate of 4 Kiwis = Rs 1
Additional details
- Co-branded credit card issued in partnership with Kiwi (GoKiwi)
- All spends are processed via UPI scan & pay through the Kiwi app, earning 1.5% cashback across all non-excluded categories
- Optional 'Kiwi Neon' annual subscription (Rs 999/year) upgrades eligible Kiwi App spends to 2% cashback; above Rs 1.5 lakh yearly spend continues at 2% unless a Neon milestone applies.
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Kiwi approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Kiwi approval criteria
Compare before you decide
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