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SBM Bank India

Kiwi Credit Card

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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹15,000

Rewards

Reward TypeCashback
Base Rate2%
Point Value₹1/point

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸India's first UPI-linked credit card — pay via UPI and earn credit card rewards.
  • ▸2% cashback on all spends including UPI payments.
  • ▸LTF — no joining or annual fee.
  • ▸Issued by SBM Bank India. Apply via Kiwi app.
  • ▸Game-changer for users who primarily transact via UPI but want credit card benefits.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹24,000

Effective Rate

2.0%

Ranked #18 of 173 cards⭐ Top 30

🏷️ Best For

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