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Entry Level Paid

Cashback on everyday purchases with special savings at partner retail & utility spends.

Rating 4.0 Cashback

Everyday Shoppers Grocery & Retail Spends Utility Bill Payments

Joining Fee

₹499

Annual Fee

₹499

Base Rewards

1% cashback on all other eligible spends

Accelerated

5% on ShopRite retail & grocery partners; 3% on utilities & online; 2% on dining (capped monthly)

Lifetime Free

A lifetime free RuPay credit card offering cashback on UPI spends.

Rating 4.0 Cashback

UPI Payments QR Transactions Everyday Spending

Joining Fee

₹0

Annual Fee

₹0

Base Rewards

Up to 1% cashback on eligible UPI transactions.

Accelerated

Higher cashback tiers (up to 5%) based on Kiwi app milestones and spending slabs.