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| Feature | YES BANK (Kiwi platform) Kiwi / YES BANK Klick RuPay + Neon | Axis Bank Axis Bank super.money RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK (Kiwi platform) | Axis Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹0 + GST per year | Lifetime free |
| Annual fee waiver | No waiver recorded | Not required |
| 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 | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month |
| Terms verified | 24 Sept 2026 | 21 Sept 2026 |
| Best suited to | Regular Kiwi Scan & Pay users likely to cross at least ₹50,000 of eligible spending during the membership year. | super.money app users who want a lifetime-free RuPay credit card for UPI. |
| 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. | The issuer itself flags this card’s cashback rates and caps as still settling: the figures modelled here are conservative placeholders. Re-check the latest T&C before counting on a specific %. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
