Find my best card →
faayda.com › compare › PNB Zaggle vs Kiwi RuPay
Comparison · हिन्दी

PNB Zaggle vs Kiwi RuPay

PNB Zaggle costs ₹499 a year and Kiwi RuPay has no annual fee. We ran them on the same ₹17,000 monthly spend and compared rewards, fees, lounge access and forex markup.

Updated · Terms checked by Prashant Parikh
PUNJAB NAT
PNB ZAGGLE TWI
ASHOK KUMAR
VS
YES / PUN
RUPAY
ASHOK KUMAR
Our verdict
Kiwi RuPay Credit Card wins for most people
Kiwi RuPay wins with a net ₹1,620 a year against ₹1,194 for PNB Zaggle. Its 1.5% on UPI Scan & Pay lifts groceries to ₹900 a year with no annual fee, which outweighs PNB Zaggle's flat 0.83% points.
Side-by-side comparison
PNB Zaggle Twin Credit Card Kiwi RuPay Credit Card ✓
Annual benefit ₹1,194 ₹1,620
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST a year (waived on ₹1,50,000 spend in the previous year) Lifetime free
Issued by Punjab National Bank YES Bank / Punjab National Bank / AU Small Finance Bank
Network RuPay + Visa (twin cards) RuPay
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 reward points per ₹300 spent (10 points = ₹2.50, so about 0.83%), on both cards in the pair; plus quarterly Flipkart, Myntra, Ola/Uber and MakeMyTrip vouchers on the RuPay card 1.5% cashback on UPI Scan & Pay at shops (offline QR); 0.5% on online payments, including food delivery and online shopping; Kiwi Neon (₹999 a year) raises Scan & Pay to 2%, and 5% above ₹1.5 lakh a year
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → RuPay card: 2 domestic airport visits a quarter and 2 international a year. Visa card: 2 railway lounge visits a quarter None on the standard card; complimentary airport lounge access with the Kiwi Neon membership (₹999 a 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% 3.5%
Best for People who want one low-fee account with a RuPay card for UPI and a Visa card for everywhere else, plus lounge visits and quarterly vouchers worth more than the ₹499 fee UPI-first spenders who pay via QR codes at offline stores
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹2,50,000 a year Flexible (new-to-credit friendly)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not published 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
PNB Zaggle Twin Credit Card
PNB Zaggle suits you if you spend mostly online and want lounge visits and quarterly vouchers. Its flat 0.83% points on every category beats Kiwi RuPay's 0.5% on online spends.
Kiwi RuPay Credit Card
Kiwi RuPay is better when groceries and offline shopping are paid by QR code. It earns 1.5% cashback on Scan & Pay, has no fee, and credits cashback straight to your bank account.
Who should get which card
Get PNB Zaggle Twin if you…
· You spend mostly online and want 0.83% points on every category
· You want lounge visits, with 2 domestic airport visits a quarter on the RuPay card
· You will use the quarterly Flipkart, Myntra, Ola/Uber and MakeMyTrip vouchers
· You like twin RuPay and Visa cards on one limit and one bill
Get Kiwi RuPay if you…
· You pay for groceries and shops by offline UPI QR codes
· You want a lifetime free card with no annual fee
· You prefer cashback credited directly to your bank account
· You want an instant virtual card that works with all UPI apps
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year and want Priority Pass with up to 12 international lounge visits, plus 2% on grocery and department store spends
Apply now →
AXIS
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Kiwi RuPay vs ixigo AU →Kiwi RuPay vs Slice UPI →Axis Bank SUPERMONEY RuPay vs Kiwi RuPay →Kiwi RuPay vs Tata Neu Plus HDFC →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, Kiwi RuPay Credit Card offers better annual returns for most spend profiles.
PNB Zaggle Twin Credit Card has an annual fee of ₹499 + GST a year (waived on ₹1,50,000 spend in the previous year). Kiwi RuPay Credit Card has an annual fee of Lifetime free.
PNB Zaggle Twin Credit Card offers 10 reward points per ₹300 spent (10 points = ₹2.50, so about 0.83%), on both cards in the pair; plus quarterly Flipkart, Myntra, Ola/Uber and MakeMyTrip vouchers on the RuPay card. Kiwi RuPay Credit Card offers 1.5% cashback on UPI Scan & Pay at shops (offline QR); 0.5% on online payments, including food delivery and online shopping; Kiwi Neon (₹999 a year) raises Scan & Pay to 2%, and 5% above ₹1.5 lakh a year.
PNB Zaggle Twin Credit Card lounge access: RuPay card: 2 domestic airport visits a quarter and 2 international a year. Visa card: 2 railway lounge visits a quarter. Kiwi RuPay Credit Card lounge access: None on the standard card; complimentary airport lounge access with the Kiwi Neon membership (₹999 a year).
PNB Zaggle Twin Credit Card charges 3.5% forex markup. Kiwi RuPay Credit Card charges 3.5% forex markup.