As India continues to lead the world in digital payments, UPI-linked credit cards have emerged as a game-changing solution — combining the convenience of UPI with the power of credit cards.
Two such standout options in the market are the Kiwi UPI Credit Card and the Axis Bank SuperMoney RuPay Credit Card. But which one should you choose?
Let’s compare their features, benefits, and differences to help you make an informed decision.
What is a UPI Credit Card?
A UPI credit card lets you make payments via UPI apps (like PhonePe, Google Pay, Paytm, Kiwi) using your credit card instead of your bank account. This allows you to:
- Earn rewards
- Enjoy up to 50 days of interest-free credit
- Avoid directly debiting your savings account
UPI Credit Card via Kiwi: Key Features
Kiwi offers UPI-based credit cards in partnership with major banks like AU Small Finance Bank and YES Bank.
Top Features:
- Kiwi – India’s Best UPI Credit Card
- 1.5% flat cashback on everyday/daily UPI payments.
- Cashback goes directly into the bank account
- You also get 3 complimentary lounge accesses with Kiwi Neon membership
- Lifetime free card – no joining fees, no annual fees.
- It can be upgraded to a paid membership to get 5% cashback on UPI payments. Membership costs 999/- + GST. If you spend 1.5L annually (which anyone usually do), you save 7,500 directly in your bank account.
Here is how Kiwi gives 5% cashback. You spend 50,000 on UPI payments, you get 3% cashback, which is 1500 directly in your bank account at 1,00,00,0, you get 4% and similarly, when you spend 1.5 lakhs, you save 5% thus getting 7,500 back in your bank account.
Axis Bank SuperMoney RuPay Credit Card: Key Features
This card is offered by Axis Bank in collaboration with super.money by Flipkart.
Top Features:
- Lifetime Free – ₹0 joining fee & ₹0 annual fee.
- 3% cashback on UPI spends via the Super.money app (capped at ₹500 per cycle).
- 1% cashback on other eligible online/offline spends, counted within the ₹500 cap.
- 1% fuel surcharge waiver (on ₹400–₹4,000 transactions, up to ₹400/month).
- Welcome Bonus – 100% cashback (up to ₹500) on first Flipkart UPI purchase.
- Fast Cashback Credit – added before the next statement (~3 days before).
Cashback Exclusions:
- No cashback on fuel, rent, government payments, insurance, wallet loads, EMIs, education, or mutual funds.
Feature Comparison Table
| Feature | Kiwi UPI Credit Card | Axis Bank SuperMoney RuPay Credit Card |
| Lifetime Free | Depends on the partner bank | Yes |
| UPI Spend Rewards | 5 % (Neon Membership) | 3% via app (up to ₹500) |
| Offline/Online Cashback | Yes | 1% (limited) |
| Interest-Free Period | Up to 50 days | Up to 50 days |
| Welcome Bonus | Varies | Up to ₹500 (Flipkart UPI) |
| Cashback Limit | Varies | ₹500 per month |
| App Integration | Any UPI app | Only Super.money app |
| Ease of Use | Very High | Moderate (app-specific) |
Pros & Cons
Kiwi UPI Credit Card
Pros:
- Lifetime free, no joining fee or annual fee
- Can be used with any UPI app
- Simple and quick onboarding
- Interest-free credit on UPI
- Offers both rewards and cashback(5%)
Cons:
- No Fuel Surcharge waiver
Axis Bank SuperMoney RuPay Credit Card
Pros:
- Lifetime free
- High cashback (3%) via UPI
- Good for Flipkart users
- Welcome bonus and fuel waiver included
Cons:
- Cashback capped at ₹500
- Must use the Super.Money app for UPI cashback
- Limited categories are eligible for rewards
Which One Should You Choose?
- Choose Kiwi if you want flexibility across UPI apps, want credit card features without restrictions and want to earn guaranteed cashback that can be directly transferred to your bank account.
- Choose Axis Bank SuperMoney RuPay Credit Card if you want a lifetime free card with guaranteed cashback, especially if you frequently shop via Flipkart or use the Super.money app.
Final Verdict
Both Kiwi and Axis Bank UPI Credit Cards are excellent choices for people who prefer UPI payments but don’t want to miss out on credit card rewards. Your decision should depend on how you spend, which apps you use, and whether you prefer flexibility or structured cashback.
