AU InstaPay Credit Card vs Kiwi Credit Cards Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  AU InstaPay Credit CardAU Small Finance Bank4 recent changes → |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 1% base, up to 1.5% on UPI payments | |
| UPI payments (scan and pay) | 1% | 1.5% | |
| Online shoppingsame | 1% | 1% | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuel | Not stated | Earns nothing | |
| Bills and recharges | Not stated | Earns nothing | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | Earns nothing | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Cashback | Cashback | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual feesame | Free | Free | |
| Lifetime freesame | Yes | Yes | |
| First year free | No | Yes | |
| Eligibility | |||
| Min age | - | 22 years | |
| Max age | - | 55 years | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 720 | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | ₹250 | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.99% | |
| Interest rate (annual) | 45% | 47.88% | |
| Redemption | |||
| Redemption method | - | Bank transfer | |
| Redemption fee | - | ₹0 | |
| Page content | |||
| Eligibility | - | Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed | |
| Documents needed | PAN card Aadhaar / valid address proof Existing AU Small Finance Bank credit card | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
At this spend, Kiwi Credit Cards comes out ₹300 a year ahead of AU InstaPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Anyone who wants no annual fee, ever
- First-time credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
Watch-Outs
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
- Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
- Headline 5% needs the paid Neon plan and big spends
- Only about 0.5% on non-UPI online spends
- Kiwis redeem only in blocks of 500 (Rs 125)
- 3.5% forex fee makes it poor abroad
Card data sourced via CardAdvisor.in (AU InstaPay Credit Card, Kiwi Credit Cards), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU InstaPay Credit Card or Kiwi Credit Cards?
They charge the same annual fee. AU InstaPay Credit Card: no annual fee; Kiwi Credit Cards: no annual fee.
Which is better for spending abroad?
AU InstaPay Credit Card has the lowest forex markup. AU InstaPay Credit Card: 3.49%; Kiwi Credit Cards: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: AU InstaPay Credit Card 1%, Kiwi Credit Cards 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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