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| Feature | YES BANK (Kiwi platform) Kiwi / YES BANK Klick RuPay Credit Card | SBM Bank India SBM Bank ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK (Kiwi platform) | SBM Bank India |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.5% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 2.8% | 2.5% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 14 Sept 2026 | 24 Sept 2026 |
| Best suited to | Young professionals and students making frequent daily UPI payments. | New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET. |
| Main trade-off | Base programme cashback applies to Merchant QR codes (P2M), not personal transfers. GainFair withholds Kiwi rewards until the card limit is supplied because the issuer cap is credit-limit-based. | The 2% cashback is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
