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
Klick RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
2.75%Forex markup
Best for
UPI, Virtual Card, Lifetime Free, Co-Branded
Top rewards
UPI Transactions Above ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹200 spent
| Feature | Kiwi Credit Card | Klick RuPay Credit Card |
|---|---|---|
| Issuer | YES Bank | YES Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Cashback And Reward Points | YES Rewardz Points |
| Best for | UPI, Lifetime Free, Cashback, Kiwi | UPI, Virtual Card, Lifetime Free, Co-Branded |
| Top reward categories | Eligible UPI Spends Via Kiwi: 1.5% cashback | UPI Transactions Above ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 2.75% |
| Milestone benefits | 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 | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |