is it worth taking kiwi neon rupay card?

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Crowdpuller
sam21500873
Recently I have received a pre-approved offer of kiwi neon rupay cc yes bank
with credit limit of Rs 3L

Is it worthy enough to have it
So many terms and top of it from 2nd year subscription fee of 999

And also payments made via kiwi app only would yield cashback I think and not through any other app

0.5% cashback only for online transactions apart from UPI

Only UPI transaction done would count in milestone I think and not ther online transactions we do .

Also only 1% of credit limit kiwis will be credited each month, if thats true then in my case only 3000 kiwis equal to Rs 750 will be given irrespective of milestone slab and my spending that is very poor.

Any more insights on this card??
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Finance Mentor Finance Mentor
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@demerius2020 master/visa is best only for super premium and ultra premium cards.

If you want Visa then apply SBI Cashback credit card, Axis Atlas, HDFC Infinia, HDFC Millennia etc.

RuPay card is best for normal cards to Premium cards including some co-branded cards too.

@sam21500873 Kiwi is best card for offline use and now every month got offer 5% Cashback and also Lifetime free cards.

Subscription based offer is additional feature.
Generous Generous
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@abhishek012 -for classic mastercard is best as it give almost all available offer from priceless
-for premium VISA signature give good offer like that of times prime 
-VISA even for platinum has tap & pay offer runing 

-UPI has better offer then Rupay cards itself like HDFC tata neu 1.5% on tataneu UPI 

-Rupay card is good only for debit card maybe ,for paying the bill of credit card above and amazon friday offer of bill payment
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Deal Cadet Deal Cadet
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Nope. Rupay is currently a waste with nothing to offer

Generous Generous
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even i have this feeling that in future UPI wil be rupay killer , and all thing will go back to master/visa era

@abhishek012 

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Benevolent Benevolent
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The scan and pay is giving you 2% cashback and no other card 💳 can compete with this.

BTW is it 1% kiwis 🥝 or 1% inr?

Crowdpuller Crowdpuller
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It's 2% effective, like for 100 rs we get 8 kiwi equal to Rs 2

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Deal Lieutenant Deal Lieutenant
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If you already hold a Yes bank Rupay card, then it won't approve

Finance Mentor Finance Mentor
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What if you have other yes bank cards in visa or mastercard platform? Will they approve kiwi rupay?

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