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| Feature | YES BANK (Kiwi platform) Kiwi / YES BANK Klick RuPay + Neon | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK (Kiwi platform) | Indian Overseas Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹0 + GST per year | Lifetime free |
| Annual fee waiver | No waiver recorded | Not required |
| Base reward rate | 0% | 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 | 3.5% | 2.5% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| 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. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| 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 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
