super.money RuPay vs Kiwi RuPay
super.money RuPay is better for online shopping, upi scan & pay, bills & recharges, while Kiwi RuPay wins on groceries, food delivery & dining, everything else. Both have the same annual fee.
super.money
super.money RuPay Credit Card
•••• 6955RuPay
Kiwi
Kiwi RuPay Credit Card
•••• 4970RuPay
| super.money RuPay Credit Card | Kiwi RuPay Credit Card | |
|---|---|---|
| Issuer | Axis Bank | YES Bank / AU / PNB |
| Network | RuPay | RuPay |
| Best for | UPI cashback | Scan & pay with UPI |
| Headline benefit | 3% on UPI | 1.5% on scan & pay |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Not needed | Not needed |
| Works on UPI | Yes | Yes |
| Lounge access | None | None (Neon: on milestones) |
| Online shopping rewards | 1% | 0.5% |
| Groceries rewards | 1% | 1.5% |
| Food delivery & dining rewards | 1% | 1.5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | 2% | 1.5% |
| Bills & recharges rewards | 1% | – |
| Travel & flights rewards | 1% | 0.5% |
| Everything else rewards | 1% | 1.5% |
| Apply now | Apply now |
Choose super.money RuPay if…
- One of the highest UPI cashback rates
- Lifetime free
- Unlimited 1% on everything else
Watch out for
- 3% is capped by what you earn at 1%
- No cashback on transactions under ₹100
- Best rate only inside the super.money app
Choose Kiwi RuPay if…
- Built for UPI, so it works at any QR code
- Instant digital card
- Lifetime free
Watch out for
- 5% needs paid Neon and ₹1.5L yearly spend
- Many categories (fuel, rent, utilities) excluded
- Monthly reward cap tied to credit limit
Verdict
super.money RuPay is better for online shopping, upi scan & pay, bills & recharges, while Kiwi RuPay wins on groceries, food delivery & dining, everything else. Both have the same annual fee. Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.