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Credit CardsComparisons

Kiwi RuPay Credit Card vs Tata Neu Plus SBI Card

A head-to-head comparison of Kiwi RuPay Credit Card and Tata Neu Plus 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
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RuPay & UPICard B

Tata Neu Plus SBI Card

Budget UPI Spenders

Annual Fee
₹499
Reward Rate
Up to 1% on UPI
Apply Now Read full review →

Feature comparison

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

Spending category coverage

Which categories does each card reward?

CategoryKiwi RuPayTata Neu
Online shopping
UPI payments

Quick verdict

Choose Kiwi RuPay Credit Card if:

  • Lower annual fee (₹Nil vs ₹499)

Choose Tata Neu Plus SBI Card if:

  • You spend heavily on online shopping

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
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Tata Neu Plus SBI Card

What's good
  • Low ₹499 annual fee with easy ₹1L waiver threshold
  • Up to 1% UPI cashback via RuPay (0.25% base + 0.75% bonus via Tata Neu UPI ID)
  • 5% NeuCoins on Tata brand purchases
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • Only 0.25% UPI reward without Tata Neu UPI ID — most users won't get full 1%
  • NeuCoin redemption restricted to the Tata app ecosystem
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
Apply Now
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