UPI RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Lifetime Free, Virtual Card
Top rewards
UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent
Kwik Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Rupay, Virtual Card, Lifetime Free, EDGE Rewards
Top rewards
UPI Spends Via Kiwi App: 5 EDGE REWARD Points / ₹100 spent (1% cashback equivalent); All Other Eligible Spends: 2 EDGE REWARD Points / ₹200 spent
| Feature | UPI RuPay Credit Card | Kwik Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Axis Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Kotak Reward Points | EDGE Reward Points |
| Best for | UPI, Lifetime Free, Virtual Card | UPI, Rupay, Virtual Card, Lifetime Free, EDGE Rewards |
| Top reward categories | UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent | UPI Spends Via Kiwi App: 5 EDGE REWARD Points / ₹100 spent (1% cashback equivalent); All Other Eligible Spends: 2 EDGE REWARD Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.07 per point | Statement credit: upto ₹ 0.2 per point |
| Key exclusions | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends | wallet load, fuel, rental payments, cash withdrawals, insurance, repayments |