Skip to main content
Credit CardsComparisons

Kiwi RuPay Credit Card vs Tata Neu Infinity SBI Card

A head-to-head comparison of Kiwi RuPay Credit Card and Tata Neu Infinity SBI Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A

Kiwi RuPay Credit Card

UPI-First Spenders

Annual Fee
Lifetime Free
Reward Rate
1.5% on UPI Scan & Pay
Apply Now Read full review →
RuPay & UPICard B
Annual Fee
₹1,499
Reward Rate
Up to 1.5% on UPI
Apply Now Read full review →

Feature comparison

FeatureKiwi RuPayTata Neu
Annual FeeLifetime Free₹1,499 (Waived on ₹3L spend)
Reward Rate1.5% on UPI Scan & PayUp to 1.5% on UPI
Best ForUPI-First SpendersUPI Power Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryKiwi RuPayTata Neu
Online shopping
Groceries
UPI payments
Airport lounge access

Quick verdict

Choose Kiwi RuPay Credit Card if:

  • Lower annual fee (₹Nil vs ₹1,499)
  • This is your first credit card

Choose Tata Neu Infinity SBI Card if:

  • You spend heavily on online shopping
  • You spend heavily on groceries
  • You spend heavily on airport lounge access

Full pros & cons

Kiwi RuPay Credit Card

What's good
  • 1.5% base cashback on UPI scan & pay — no annual fee, no spend requirement
  • Up to 5% cashback with Kiwi Neon (₹999/year) after ₹1.5L annual milestone spend
  • Instant virtual card issuance via YES Bank or AU Small Finance Bank — no income proof needed
Watch out for
  • Monthly cashback capped at 1% of credit limit (e.g., ₹500/month on ₹50K limit)
  • Online transactions earn only 0.5% cashback — designed primarily for offline UPI scans
  • No rewards on utilities, fuel, rent, insurance, telecom, education, jewelry, and government payments
Apply Now

Tata Neu Infinity SBI Card

What's good
  • Up to 1.5% UPI cashback via RuPay (0.5% base + 1% bonus via Tata Neu UPI ID)
  • 10% NeuCoins back on Tata brands (BigBasket, 1mg, Croma)
  • 5% NeuCoins on other Tata app purchases
  • 2 complimentary domestic lounge visits per quarter on ₹50,000 quarterly spend (up to 8/year)
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • NeuCoins redeemable only within Tata app ecosystem
  • High ₹3L spend required for annual fee waiver
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
Apply Now
Browse all cards·Try the card recommender →