Google Pay Flex Axis Bank Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
upi, google pay, cashback, dining, lifetime free
Top rewards
UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate)
YES Bank Kiwi Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Kiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of Rs 50,000 + 1 lounge access
- Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of Rs 1,00,000 + 1 lounge access
- Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of Rs 1,50,000 + 1 lounge access
3.5%Forex markup
Best for
upi, lifetime free, cashback, kiwi
Top rewards
Eligible UPI spends via Kiwi: 1.5% cashback
| Feature | Google Pay Flex Axis Bank Credit Card | YES Bank Kiwi Credit Card |
|---|---|---|
| Issuer | Axis Bank | YES Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | stars | cashback and reward points |
| Best for | upi, google pay, cashback, dining, lifetime free | upi, lifetime free, cashback, kiwi |
| Top reward categories | UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate) | Eligible UPI spends via Kiwi: 1.5% cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Unlock 2X stars in the current reward cycle by spending Rs 100 or more in the previous cycle, Unlock promotional 4X stars after spending more than Rs 15,000 in the current reward period, subject to Google Pay campaign terms, Unlock promotional 8X stars after spending more than Rs 30,000 in the current reward period, subject to Google Pay campaign terms | Kiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of Rs 50,000 + 1 lounge access, Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of Rs 1,00,000 + 1 lounge access, Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of Rs 1,50,000 + 1 lounge access |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Rent payments, E-wallet loading transactions, Educational institution payments via third-party apps, Online skill-based gaming spends, Cash withdrawal and financial services transactions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |