Google Pay Flex 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 / ₹500 spent (0.2% return rate); Other Eligible Retail Spends: 1 Star / ₹500 spent (0.2% return rate)
Kiwi Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Kiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of ₹50,000 + 1 lounge access
- Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of ₹1,00,000 + 1 lounge access
- Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of ₹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 Credit Card | 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 | Cashback And 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 / ₹500 spent (0.2% return rate); Other Eligible Retail Spends: 1 Star / ₹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 ₹100 or more in the previous cycle, Unlock promotional 4X stars after spending more than ₹15,000 in the current reward period, subject to Google Pay campaign terms, Unlock promotional 8X stars after spending more than ₹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 ₹50,000 + 1 lounge access, Kiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of ₹1,00,000 + 1 lounge access, Kiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of ₹1,50,000 + 1 lounge access |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 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, Gift cards | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |