Kiwi RuPay Credit Card vs Tata Neu Infinity HDFC RuPay
A head-to-head comparison on verified fees, waiver math, reward rates, lounge conditions and forex charges.
Our verdict
Kiwi pays real cashback on UPI spends with no fee. Neu Infinity pays more only inside the Tata world, and its best UPI rate needs a Tata Neu UPI ID.
Pick Kiwi if you want simple cashback on UPI spends landing in your bank account, with no annual fee.
Pick Neu Infinity if you are deep in the Tata ecosystem and will route UPI payments through a Tata Neu ID.
| Compare | Kiwi RuPay Credit Card | Tata Neu Infinity HDFC RuPay |
|---|---|---|
| Annual fee | Lifetime free | ₹1,499 + GST (₹1,769 total) |
| Fee waiver | No fee to waive | Waived on ₹3,00,000 annual spend |
| Headline reward | Flat 1.5% cashback on UPI Scan and Pay transactions, credited directly to your bank account. Kiwi Neon members earn 2%, rising to 5% once annual spends cross Rs 1.5 lakh | Up to 10% NeuCoins on Tata Neu App spends (5% base + 5% NeuPass on select categories) + UPI earns 0.5% via any UPI ID and 1.5% via a Tata Neu UPI ID (capped at 500 NeuCoins per month) |
| Online spends return | 0.5% | 5% |
| Dining return | 1.5% | 3% |
| Travel return | 1.5% | 5% |
| Bills and UPI return | 1.5% | 1.5% |
| Fuel return | 1.5% | 0% |
| Lounge access | No lounge access on the free card. Kiwi Neon members get 3 complimentary lounge accesses | 8 domestic + 4 international lounge visits per year; domestic access is milestone-voucher based from 10 Jun 2025 (2 vouchers per quarter, only on ₹50,000 spends in that quarter) |
| Forex markup | Not published on Kiwi's official product pages. This is a domestic RuPay card designed for UPI payments within India, so treat it as an India use card | 2.0% + 18% GST |
| RuPay UPI payments | Supported | Supported |
| Credwiser score | 74/100 | 89/100 |
Green cells mark the stronger card on that row. Returns are effective category rates from each card verified record, before caps; check the fine print below for caps.
The fine print decides it
Kiwi RuPay Credit Card
The card is issued by YES BANK (some applicants are issued the AU Small Finance Bank or PNB variant instead). In YES BANK's credit card fee schedule the card appears as the Klick RuPay card with NIL joining and annual fees. Kiwi Neon is an optional membership at Rs 999 plus GST per year. Monthly cashback is capped at 1% of the card limit, as stated by Kiwi. Regular online card spends earn 0.5% cashback, lower than the 1.5% on UPI Scan and Pay. Kiwi does not publish a forex markup for this card.
Last verified against MITC: 21 October 2026
Tata Neu Infinity HDFC RuPay
UPI transactions to peer-to-peer (P2P) accounts do not earn NeuCoins. Merchant P2M QR codes are required. UPI earn is 0.5% via any UPI ID plus 1% extra only via a Tata Neu UPI ID, capped at 500 NeuCoins a month. Domestic lounge access is issued as vouchers (2 per quarter) on ₹50,000 spends in the quarter, from 10 June 2025.
Last verified against MITC: 21 October 2026 • View official MITC →
Frequently asked questions
Which is cheaper, Kiwi RuPay Credit Card or Tata Neu Infinity HDFC RuPay?
Kiwi RuPay Credit Card charges lifetime free and its waiver position is: no fee to waive. Tata Neu Infinity HDFC RuPay charges ₹1,499 + gst (₹1,769 total) with this waiver position: waived on ₹3,00,000 annual spend. Remember the fee is billed first and reversed later on cards that offer a waiver.
Which card has better lounge access, Kiwi RuPay Credit Card or Tata Neu Infinity HDFC RuPay?
Kiwi RuPay Credit Card: No lounge access on the free card. Kiwi Neon members get 3 complimentary lounge accesses. Tata Neu Infinity HDFC RuPay: 8 domestic + 4 international lounge visits per year; domestic access is milestone-voucher based from 10 Jun 2025 (2 vouchers per quarter, only on ₹50,000 spends in that quarter). Always check the spend gate, if any, before travelling; our Lounge Access Checker shows the exact criteria for both cards.
Kiwi RuPay Credit Card vs Tata Neu Infinity HDFC RuPay: which should I pick?
Kiwi pays real cashback on UPI spends with no fee. Neu Infinity pays more only inside the Tata world, and its best UPI rate needs a Tata Neu UPI ID. Pick Kiwi if you want simple cashback on UPI spends landing in your bank account, with no annual fee. Pick Neu Infinity if you are deep in the Tata ecosystem and will route UPI payments through a Tata Neu ID.
More comparisons with these cards
Compare any two cards freely in the side-by-side comparison matrix, or check gates and caps in the Lounge Access Checker and Cashback Cap Maxer.