HDFC Bank UPI RuPay Credit Card vs Kiwi RuPay Credit Card
HDFC Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹99
Max Reward3%
Yes BankScoreGood
Annual FeeFree
Max Reward1.5%
HDFC Bank UPI RuPay Credit Card leads overall with a CardCheck Score of 67/100 (+2 pts over Kiwi RuPay Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs KiwiReward Power
35%HDFC27/35
Kiwi20/35
HDFC Wins
Fee Value & ROI
25%HDFC24/25
Kiwi25/25
Kiwi Wins
Lounge & Travel
20%HDFC4/20
Kiwi8/20
Kiwi Wins
Forex & Access
20%HDFC12/20
Kiwi12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 67Best
- 65
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 27/35
- 20/35
- Fee Value & ROI (25%)
- 24/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 8/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- Yes Bank
- Network
- RuPay
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- UPI power users — earn credit card rewards on UPI QR payments
- UPI-first users, daily merchant UPI spends, cashback seekers
03—Fees
- Joining fee
- ₹99
- FreeBest
- Annual fee
- ₹99
- FreeBest
- Fee waiver
- ₹25,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%Best
- 0.5%
- Max rate
- 3%Best
- 1.5%
- Points / ₹100
- 4
- —
- Point value
- ₹0.25
- ₹0.25
- Monthly cap
- ₹375
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 25
- Min income / month
- ₹15,000
- —
- Min CIBIL
- 650
- —
- Invite only
Rows won
03of 05
02of 05
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67Best | 65 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 27/35 | 20/35 |
| Fee Value & ROI (25%) | 24/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 8/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Yes Bank |
| Network | RuPay | RuPay |
| Card type | Regular | Co-branded |
| Best for | UPI power users — earn credit card rewards on UPI QR payments | UPI-first users, daily merchant UPI spends, cashback seekers |
03—Fees Differences highlighted | ||
| Joining fee | ₹99 | FreeBest |
| Annual fee | ₹99 | FreeBest |
| Fee waiver | ₹25,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1%Best | 0.5% |
| Max rate | 3%Best | 1.5% |
| Points / ₹100 | 4 | — |
| Point value | ₹0.25 | ₹0.25 |
| Monthly cap | ₹375 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 25 |
| Min income / month | ₹15,000 | — |
| Min CIBIL | 650 | — |
| Invite only | ||
| Rows won | 03of 05 | 02of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank UPI RuPay Credit Card | Kiwi RuPay Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 65/100Good |
| Annual Fee | ₹99 | Free (₹0) |
| Fee Waiver Spend | ₹25,000/yr | No waiver |
| Max Reward Potential | 3% | 1.5% |
| Domestic Lounge Access | None | 3 / year |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank UPI RuPay Credit Card if:
Your spending centers around upi power users — earn credit card rewards on upi qr payments and you want direct partner rewards with HDFC Bank.
Choose Kiwi RuPay Credit Card if:
Your spending aligns with upi-first users, daily merchant upi spends, cashback seekers and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: HDFC Bank UPI RuPay Credit Card vs Kiwi RuPay Credit Card
- Which is better: HDFC Bank UPI RuPay Credit Card or Kiwi RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card holds a higher overall rating with a CardCheck Score of 67/100 (Good) compared to 65/100 (Good) for Kiwi RuPay Credit Card (a lead of +2 points). HDFC Bank UPI RuPay Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank UPI RuPay Credit Card charges an annual fee of ₹99 with an annual spend threshold of ₹25,000 for renewal fee waiver. In comparison, Kiwi RuPay Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between HDFC Bank UPI RuPay Credit Card and Kiwi RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card offers a base reward rate of 1% and up to 3% on accelerated partner categories. Meanwhile, Kiwi RuPay Credit Card offers a base rate of 0.5% and up to 1.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank UPI RuPay Credit Card or Kiwi RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card provides no complimentary airport lounge access. On the other hand, Kiwi RuPay Credit Card provides 3 complimentary domestic lounge visits/year.
- Which card is better for international foreign currency spends?
- HDFC Bank UPI RuPay Credit Card levies a foreign currency markup fee of 3.5%, while Kiwi RuPay Credit Card charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).