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| Feature | YES BANK (Kiwi platform) Kiwi / YES BANK Klick RuPay + Neon | AU Small Finance Bank AU Bank Spont Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK (Kiwi platform) | AU Small Finance Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹0 + GST per year | ₹299 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 0% | 1% |
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 | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Regular Kiwi Scan & Pay users likely to cross at least ₹50,000 of eligible spending during the membership year. | UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits. |
| Main trade-off | Neon costs ₹999 plus GST yearly and is available only to selected qualifying Kiwi cardholders. The 2% rate requires the exact Kiwi Scan & Pay route, milestone rates include regular cashback already earned, and many MCCs are excluded. | Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
