Kiwi Credit Cards vs Roarbank RuPay 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: 28 September 2026.
| Feature |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → |  Roarbank RuPay Credit CardUnity Small Finance Bank2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 1.5% on UPI payments | 0% on most spends | |
| UPI payments (scan and pay) | 1.5% | 0% | |
| Online shopping | 1% | 0% | |
| Dining and food delivery | 1% | 0% | |
| Groceries | 1% | 0% | |
| Travel: flights, hotels, trains | 1% | 0% | |
| Fuel | Earns nothing | 0% | |
| Bills and recharges | Earns nothing | 0% | |
| Rent | Earns nothing | 0% | |
| Insurance premiums | Earns nothing | 0% | |
| School and college fees | Earns nothing | 0% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0% | |
| Everything else | 1% | 0% | |
| 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 | Yes | No | |
| Eligibility | |||
| Min age | 22 years | 21 years | |
| Max age | 55 years | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | 720 | - | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel waiver cap | ₹250 | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.99% | 3.3% | |
| Interest rate (annual) | 47.88% | 39.6% | |
| 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 Income proof, salary slips (salaried) or ITR (self-employed) | PAN card, shown on the Video KYC call Aadhaar number Income details typed into the app, with no income documents to upload | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
- Rewards a year
- ₹0
- Fee a year
- ₹0
- You keep
- ₹0
At this spend, Kiwi Credit Cards comes out ₹2,700 a year ahead of Roarbank RuPay 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
- First-time credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
- UPI-first users
- Young earners wanting a free card
- People who want a card and savings account together
Watch-Outs
- 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
- 20% cashback is an upper limit on selected categories, not a flat rate
- 3.5% forex markup
- No lounge or travel benefits
Card data sourced via CardAdvisor.in (Kiwi Credit Cards, Roarbank RuPay Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Kiwi Credit Cards or Roarbank RuPay Credit Card?
They charge the same annual fee. Kiwi Credit Cards: no annual fee; Roarbank RuPay Credit Card: no annual fee.
Which is better for spending abroad?
Kiwi Credit Cards has the lowest forex markup. Kiwi Credit Cards: 3.5%; Roarbank RuPay Credit Card: 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: Kiwi Credit Cards 1%, Roarbank RuPay Credit Card 0%. 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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