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Comparison · हिन्दी

Kiwi RuPay vs ixigo AU

Both cards compared on real rupee returns for Kiwi RuPay vs ixigo AU which better lifetime free credit card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
YES / AU
RUPAY
ASHOK KUMAR
VS
AU SMALL F
IXIGO
ASHOK KUMAR
Our verdict
Kiwi RuPay Credit Card wins for most people
Kiwi RuPay wins decisively, delivering ₹2,760 annually versus ixigo AU's ₹1,050. Its higher cashback rates on UPI and online spending align perfectly with this profile's transaction mix, making it the stronger everyday rewards card.
Side-by-side comparison
Kiwi RuPay Credit Card ✓ ixigo AU Credit Card
Annual benefit ₹2,760 ₹1,050
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free (no joining or annual fee)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends 5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption fee
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None (on standard; milestone-based on Neon plan) 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 0%
Best for UPI-first spenders who pay via QR codes at offline stores Registered ixigo users wanting lifetime-free lounge access and ixigo booking discounts, more than a strong everyday cashback card
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Flexible (new-to-credit friendly) Not publicly specified; must be 21-60 years old if salaried or 25-65 if self-employed, resident in India, and registered on the ixigo platform
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ Not publicly specified
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When each card wins
Kiwi RuPay Credit Card
Kiwi RuPay excels for spenders who frequently use UPI at offline merchants via QR codes and shop online. Its 1.5% UPI cashback and 0.5% online rate outpace ixigo AU's redemption value across most spending patterns.
ixigo AU Credit Card
ixigo AU suits registered ixigo users prioritizing travel bookings and lounge access over pure cashback. Its strength lies in lifestyle benefits rather than raw reward value on this spending profile.
Who should get which card
Get Kiwi RuPay if you…
· Regular UPI payers at stores and shops
· Online shoppers seeking straightforward cashback
· Those wanting maximum everyday rewards without redemption hassles
· Anyone unconcerned with travel perks or brand loyalty
Get ixigo AU if you…
· Frequent ixigo users planning travel bookings
· Those valuing complimentary lounge access benefits
· Members seeking ixigo-exclusive discounts and upgrades
· Travelers willing to trade cashback for lifestyle perks
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Scapia Federal Bank vs ixigo AU →Kiwi RuPay vs Slice UPI →Axis Bank SUPERMONEY RuPay vs Kiwi RuPay →Best Travel Credit Cards →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, Kiwi RuPay Credit Card offers better annual returns for most spend profiles.
Kiwi RuPay Credit Card has an annual fee of Lifetime free. ixigo AU Credit Card has an annual fee of Lifetime free (no joining or annual fee).
Kiwi RuPay Credit Card offers 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends. ixigo AU Credit Card offers 5 Reward Points per ₹200 on eligible online, offline and UPI spends (marketed as "2.5%" but the real redemption value is ₹0.25/point, an effective 0.625%; up to 1.25% if redeemed specifically as ixigo money); 10 RP per ₹200 on online UPI transactions on the RuPay variant; minimum 200 points needed to redeem, plus a ₹99+GST redemption fee.
Kiwi RuPay Credit Card lounge access: None (on standard; milestone-based on Neon plan). ixigo AU Credit Card lounge access: 8 domestic airport visits/year (2 per quarter) plus 8 railway lounge visits/year (2 per quarter), plus 1 complimentary international airport visit/year.
Kiwi RuPay Credit Card charges 3.5% forex markup. ixigo AU Credit Card charges 0% forex markup.