Yes Kiwi vs Axis Super.Money Pro

[Finchamp!]

Hi all!

I'm currently deciding between the Yes Kiwi Credit Card (which I already have) and the Axis Super.Money Pro (which is showing as an option). I need to retain only one.

I'm personally leaning toward the Super.Money Pro card since it isn’t tied to any additional subscriptions—unlike the Kiwi card, which depends on the Neon Subscription that may become chargeable in the future.

Would appreciate your thoughts!

 

[diwakernori]

Any new updates

 

[diwakernori]

Any new updates please

 

[HumorSimpson]

IS THIS 5% SUBSCRIPTION OFFER STILL AVAILABLE IF I APPLY FOR KIWI CARD

only when applied thru a referral. if you want one, check my siggy

 

[HumorSimpson]

View attachment 97468

how this is better ? little explanation please

 

[Lalsingh22]

how this is better ? little explanation please

Just a meme, mate !!

 

[HumorSimpson]

Just a meme, mate !!

Just for meme we can't change the facts. Meme is a cream over truth not a cover up.

 

[Revolution2.0]

only when applied thru a referral. if you want one, check my siggy

IS THIS 5% SUBSCRIPTION OFFER STILL AVAILABLE IF I APPLY FOR KIWI CARD

Can you pls explain more about Kiwi's subscription? What is the real deal -- if we don't purchase the subscription, how much is the cashback when we do scan & pay at merchant shops and online/swipe at store?

Can the subscription we can get freely if you @HumorSimpson can provide your refer code? I believe your refer code can be used while applying credit card assuming there will be some sort of box to mention your refer code while in the process of applying credit card ( I clicked on the link mentioned in your signature but it opens normal kiwi website where it shows info about credit card)

If you or someone can explain in simple manner about kiwi cc's real benefit/advantage, it would be great. Thank you.

 

[HumorSimpson]

Can you pls explain more about Kiwi's subscription? What is the real deal -- if we don't purchase the subscription, how much is the cashback when we do scan & pay at merchant shops and online/swipe at store?

Can the subscription we can get freely if you @HumorSimpson can provide your refer code? I believe your refer code can be used while applying credit card assuming there will be some sort of box to mention your refer code while in the process of applying credit card ( I clicked on the link mentioned in your signature but it opens normal kiwi website where it shows info about credit card)

If you or someone can explain in simple manner about kiwi cc's real benefit/advantage, it would be great. Thank you.

New referral (2nd ) . June 29.




L57GVT

Hey! I’ve just started using Kiwi and it’s honestly a game changer 🙌 It's not just another UPI-ready Credit Card — Kiwi lets you earn cashback every time you Scan & Pay! Here’s why I think you’ll love it too: 🏪 1.5% cashback on all offline UPI payments (on your local stores too) 🛍️ 0.5% cashback on online UPI spends (like on apps like Swiggy, Zomato, Amazon etc.) 💳 Lifetime FREE credit card — no joining or renewal fees, ever! ✨ ₹300 cashback as joining benefit when you sign up with my code & do your first transaction with credit card issued on Kiwi app. Download the app from this link: https://gokiwi.onelink.me/ENmK/L57GVT Or make sure to enter my referral code L57GVT while signing up to get your ₹300 bonus 💰 Let me know once you’re in — happy to help you set it up!

 

[HumorSimpson]

Can you pls explain more about Kiwi's subscription? What is the real deal -- if we don't purchase the subscription, how much is the cashback when we do scan & pay at merchant shops and online/swipe at store?

Can the subscription we can get freely if you @HumorSimpson can provide your refer code? I believe your refer code can be used while applying credit card assuming there will be some sort of box to mention your refer code while in the process of applying credit card ( I clicked on the link mentioned in your signature but it opens normal kiwi website where it shows info about credit card)

If you or someone can explain in simple manner about kiwi cc's real benefit/advantage, it would be great. Thank you.

Without subscription it's 1.5

 

[Revolution2.0]

Without subscription it's 1.5

Thanks. Without subscription it is 1.5 and with subscription it is 2% for scan & pay UPI at merchants, right? In here, if I use your refer code then only 2% would be eligible and free Neon subscription for a year, right?

Another confusion is -- browsing thru this community and forums and found below screenshot. I believe below screenshot user have neon subscription and accordingly till 50K, cashback amount would be counted as 3%, beyond 50K cashback percentage increases. For you also same? If true, then among your points, 2% cashback would be 3%? Am I right on this? can you pls explains?

 

[HumorSimpson]

Thanks. Without subscription it is 1.5 and with subscription it is 2% for scan & pay UPI at merchants, right? In here, if I use your refer code then only 2% would be eligible and free Neon subscription for a year, right?

Another confusion is -- browsing thru this community and forums and found below screenshot. I believe below screenshot user have neon subscription and accordingly till 50K, cashback amount would be counted as 3%, beyond 50K cashback percentage increases. For you also same? If true, then among your points, 2% cashback would be 3%? Am I right on this? can you pls explains?

View attachment 98574

Subscription gives you

1. 2% on scan and pay
2. milestone benefits of 3%, 4%, 5% for the 50K, 1L, 1.5L and lounge access for each 50K hit
3. bonus kiwis - no particular logic quite random
4. if any yes bank offers on flipkart, amazon etc

recently they changed the first year neon sub,. it's free only if it is referred. DM me for a referral

Also there is a limit of rewards earned in a billing cycle. It is (1% of CL kiwis) boils down to CL/2. i.e., for a 1L CL you get rewards till 50K spends in a billing cycle which is 1K inr.

Changes from June 1st 2025
min of 100rs for scan and pay rewards earlier it was 50rs

 

[SJM]

Without subscription it's 1.5

Does the subscription auto renew? Mine wasn't with referral, so opened another for my wife with my referral 🙂

 

[HumorSimpson]

Does the subscription auto renew? Mine wasn't with referral, so opened another for my wife with my referral 🙂

Even mines wasn't with referral. The referral thing started a couple of months ago.
Auto renewal not sure.

 

[Phonix_YT]

I have registered my account when kiwi app was launched but didn’t apply for the cc, so what if i apply for cc now, will i get the neon subscription or not?

Currently i have applied for the card but kyc is pending

 

[HumorSimpson]

I have registered my account when kiwi app was launched but didn’t apply for the cc, so what if i apply for cc now, will i get the neon subscription or not?

Currently i have applied for the card but kyc is pending

If applied without referral you won't get the free first year neon sub

 

[Phonix_YT]

If applied without referral you won't get the free first year neon sub

Its showing like this. So will i get it or not? And what if i not get it what are the charges?

 

[HumorSimpson]

Its showing like this. So will i get it or not? And what if i not get it what are the charges?

No idea. The pic shows the benefit of neon. But doesn't tell whether you are entitled free or not.

 

[Revolution2.0]

Subscription gives you

1. 2% on scan and pay
2. milestone benefits of 3%, 4%, 5% for the 50K, 1L, 1.5L and lounge access for each 50K hit
3. bonus kiwis - no particular logic quite random
4. if any yes bank offers on flipkart, amazon etc

recently they changed the first year neon sub,. it's free only if it is referred. DM me for a referral

Also there is a limit of rewards earned in a billing cycle. It is (1% of CL kiwis) boils down to CL/2. i.e., for a 1L CL you get rewards till 50K spends in a billing cycle which is 1K inr.

Changes from June 1st 2025
min of 100rs for scan and pay rewards earlier it was 50rs

Thanks @HumorSimpson
By the way, what is CL kiwis means?

 

[HumorSimpson]

Thanks @HumorSimpson
By the way, what is CL kiwis means?

CL means credit limit.
The max cashback one can earn in a billing month is 1% of CL.

It means till CL/2 spends (as neon gives 2%. CL/2. * 2/100 = CL /100) you get cashback in a billing month.

 

[Revolution2.0]

CL means credit limit.
The max cashback one can earn in a billing month is 1% of CL.

It means till CL/2 spends (as neon gives 2%. CL/2. * 2/100 = CL /100) you get cashback in a billing month.

Alright, thank you for your prompt response. More the CL, more the rewards but with few t&c. You're right about other terms as I can see those t&c in their website. Are they providing new cards from Yes or Axis? I know that earlier Yes is the bank provider for this Kiwi card and they're the first to provide such rewards and features in Scan & Pay area since the RBI allowed RuPay credit cards for payment on UPI.

This milestone figure resets every year, right?

If someone doesn't have Neon subscription, rewards rates are 1.5% for each UPI scan at merchants, right? within this segment, what if someone is hitting the milestone, like 50K spend, then 1L spend and on & on. What will happen? Does reward rate increases? Have you or anyone knows about it?

If someone applies thru cashkaro (as they use to have more cashback at time of applying credit card) and at the time of processing credit card application, does app ask referral code box where person can enter/input referral code SO THAT person would get free Neon subscription along with cashback from cashkaro. Any idea/information do you have about this?