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Kiwi Credit Cards vs Kredit.Pe Yes Bank LTF UPI Credit Card 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.

Kiwi Credit Cards versus Kredit.Pe Yes Bank LTF UPI Credit Card compared
FeatureKiwi Credit CardsKiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes →
Kredit.Pe Yes Bank LTF UPI Credit CardKredit.Pe Yes Bank LTF UPI Credit CardYes Bank
Rewards by spend
Rewards1% base, up to 1.5% on UPI paymentsRewards not published
UPI payments (scan and pay)1.5%3%
Online shopping1%Not stated
Dining and food delivery1%Not stated
Groceries1%Not stated
Travel: flights, hotels, trains1%Not stated
FuelEarns nothingNot stated
Bills and rechargesEarns nothingNot stated
RentEarns nothingNot stated
Insurance premiumsEarns nothingNot stated
School and college feesEarns nothingNot stated
Wallet top-upsEarns nothingNot stated
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%Not stated
Everything else1%Not stated
Card identity
Card typeCashback-
NetworksameRuPayRuPay
Card tierEntry-
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
First year freeYesNo
Eligibility
Min age22 years18 years
Max age55 years-
Employment typeBOTH-
Min monthly salary-₹25,000
Min credit score720-
Rewards
Reward typesameCashbackCashback
Point value₹1-
Fuel surcharge
Fuel waiver cap₹250-
Forex and international
Forex markup3.5%-
UPI rewards
Works on UPIYes-
Interest and charges
Interest rate (monthly)3.99%-
Interest rate (annual)47.88%-
Redemption
Redemption methodBank transfer-
Redemption fee₹0-
Page content
EligibilityAge: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed-
Documents neededPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)-
ApplyApply NowApply Now

Best For

Kiwi Credit Cards
  • First-time credit card users
  • People who pay mostly by UPI QR codes
  • Anyone wanting a free card to build a credit score
Kredit.Pe Yes Bank LTF UPI Credit Card
  • People who pay mostly by UPI
  • A first lifetime free card
  • Salaried people earning Rs 25,000 a month or more

Watch-Outs

Kiwi Credit Cards
  • 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
Kredit.Pe Yes Bank LTF UPI Credit Card
  • The 3% and 5% rates need payment through the Kredit.Pe app
  • Spends outside UPI earn far less
  • Approval is currently for salaried applicants

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Kiwi Credit Cards or Kredit.Pe Yes Bank LTF UPI Credit Card?

They charge the same annual fee. Kiwi Credit Cards: no annual fee; Kredit.Pe Yes Bank LTF UPI Credit Card: no annual fee.

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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