A head-to-head comparison of Kiwi RuPay Credit Card and Uni GoldX RuPay Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.
UPI-First Spenders
UPI + Everyday Digital Payments
| Feature | Kiwi RuPay | Uni GoldX |
|---|---|---|
| Annual Fee | Lifetime Free | Lifetime Free |
| Reward Rate | 1.5% on UPI Scan & Pay | Up to 5% rewards on UPI and eligible spends |
| Best For | UPI-First Spenders | UPI + Everyday Digital Payments |
| First-Card Friendly | ||
| Lounge Access | ||
| Zero Forex Markup |
Which categories does each card reward?
| Category | Kiwi RuPay | Uni GoldX |
|---|---|---|
| UPI payments | ||
| Everyday spending |