CASHBACK SBI Card vs Kiwi RuPay Credit Card
SBI Card · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
Yes BankScoreGood
Annual FeeFree
Max Reward1.5%
CASHBACK SBI Card leads overall with a CardCheck Score of 70/100 (+5 pts over Kiwi RuPay Credit Card).
4-Pillar Head-to-Head Breakdown
CASHBACK vs KiwiReward Power
35%CASHBACK34/35
Kiwi20/35
CASHBACK Wins
Fee Value & ROI
25%CASHBACK20/25
Kiwi25/25
Kiwi Wins
Lounge & Travel
20%CASHBACK4/20
Kiwi8/20
Kiwi Wins
Forex & Access
20%CASHBACK12/20
Kiwi12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 70Best
- 65
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 20/35
- Fee Value & ROI (25%)
- 20/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 8/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- SBI Card
- Yes Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Online cashback
- UPI-first users,daily merchant UPI spends,cashback seekers
03—Fees
- Joining fee
- ₹999
- FreeBest
- Annual fee
- ₹999
- FreeBest
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- —
- APR (max)
- 42%
- —
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%Best
- 0.5%
- Max rate
- 5%Best
- 1.5%
- Point value
- —
- ₹0.25
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
- ₹25,000
- —
- Min CIBIL
- 700
- —
- Invite only
Rows won
03of 05
02of 05
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 70Best | 65 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 20/35 |
| Fee Value & ROI (25%) | 20/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 8/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | Yes Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Online cashback | UPI-first users,daily merchant UPI spends,cashback seekers |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | FreeBest |
| Annual fee | ₹999 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | — |
| APR (max) | 42% | — |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1%Best | 0.5% |
| Max rate | 5%Best | 1.5% |
| Point value | — | ₹0.25 |
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 | ₹25,000 | — |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 03of 05 | 02of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | CASHBACK SBI Card | Kiwi RuPay Credit Card |
|---|---|---|
| CardCheck Score | 70/100Very Good | 65/100Good |
| Annual Fee | ₹999 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 5% | 1.5% |
| Domestic Lounge Access | None | 3 / year |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose CASHBACK SBI Card if:
Your spending centers around online cashback and you want direct partner rewards with SBI Card.
Choose Kiwi RuPay Credit Card if:
You prioritize Yes Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: CASHBACK SBI Card vs Kiwi RuPay Credit Card
- Which is better: CASHBACK SBI Card or Kiwi RuPay Credit Card?
- CASHBACK SBI Card holds a higher overall rating with a CardCheck Score of 70/100 (Very Good) compared to 65/100 (Good) for Kiwi RuPay Credit Card (a lead of +5 points). CASHBACK SBI Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh 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 CASHBACK SBI Card and Kiwi RuPay Credit Card?
- CASHBACK SBI Card offers a base reward rate of 1% and up to 5% 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: CASHBACK SBI Card or Kiwi RuPay Credit Card?
- CASHBACK SBI Card provides no complimentary domestic lounge access. On the other hand, Kiwi RuPay Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- CASHBACK SBI 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).