Which card to go for? KIwi or Kredit.Pe ACE?

[Joltpost]

I'm planning to apply for either of these cards once I get the SBI Cashback card. Would like a second opinion about these cards.

 

[da3m0n]

I would prefer Kiwi

 

[drvirag]

Kiwi is better

 

[HumorSimpson]

Note: currently kiwi is issued by yes bank. If you already have some yes cc they may not process the application.

Now the first year subscription is not free since July 1st week even with referral . Referral rewards 300 Rs to applicant and 300 Rs to referee on successful on boarding. The best thing for you would be apply via c-a-s-h-k-a-r-o affiliate which gives 1100rs as bonus


kiwi with neon subscription gives 2% CB on scan &pays and milestone benefits of 3%, 4% and 5% at 50K, 1L and 1.5L. Without neon its 1.5% and no milestone benefits.

1. Neon Subscription(999rs + ginger special tea) you get 2% on scan & pay. Min spend is 100rs and you get 8 kiwis (worth 2rs) per 100rs instant and many times it gives some bonus. This bonus is random many times and it appears as a pop up toy like duck/elephant etc . This you get even for spending small amounts like 20rs. Earlier the neon sub was free for the first year now its need to be purchased.
   1. NOTE : The 2% is on scan and pay . On online purchase its just 0.5%.
2. Milestone benefits
   1. Milestone 1 : When you hit 50K annual milestone you get 3% on all the spends spent till 50K. Plus 1 airport lounge access.
   2. Milestone 2 : When you hit 1L annual milestone you get 4% on all the spends spent till 1L. Plus 1 airport lounge access.
   3. Milestone 3 : When you hit 1.5L annual milestone you get 5% on all the spends spent till 1.5L. Plus 1 airport lounge access.
   4. Once a milestone is hit, they credit you the remainder % of cashback in the next month. i.e., (milestone - 2% )
   5. After all the milestones hit you keep getting 2%
   6. Case 1: Your spends over an year is about 50K. Assuming you can easily get 100rs bonus kiwis
      1. CB % = (50000*0.03 + 100 - 1180)*100/50000 = 0.8% 🙄 . I suggest you not to take subscription and switch to default 1.5% CB.
   7. Case 2: Your spends over an year is about 1L. Assuming you can easily get 200rs bonus kiwis
      1. CB % = (100000*0.04 + 200 - 1180)*100/100000 = 3.02%😀
   8. Case 3: Your spends over an year is about 1.5L. Assuming you can easily get 300rs bonus kiwis
      1. CB % = (150000*0.05 + 300 - 1180)*100/150000 = 4.4% 🥳
3. Exclusions :
   1. big ticket purchases like gold, jewellery, insurances, rents, edu fee, Automobile shops (spare/service/engine oil) don't reward any kiwis and not even considered for milestones.

Even one doesn't get super pro they are good as long as the annual spends are 1-1.5L. One more benefit is, the milestones are calculated on annual basis. So, your monthly spends can vary from 100rs to CL/2 .Monthly upper limit on rewarding spends is CL/2. If your CL is 1L, you can spend till 50K pm to get rewards, unlike superpro where it has hard stop at 16.6K.

@djrocky

 

[nikhilv0303]

Note: currently kiwi is issued by yes bank. If you already have some yes cc they may not process the application.

kiwi with neon subscription gives 2% CB on scan and pays and milestone benefits of 3%, 4% and 5% at 50K, 1L and 1.5L. Without neon its 1.5% and no milestone benefits.

1. Neon Subscription(999rs + ginger special tea) you get 2% on scan & pay. Min spend is 100rs and you get 8 kiwis (worth 2rs) instant and many times it gives some bonus. This bonus is random many times and it appears as a pop up toy like duck/elephant etc . This you get even for spending small amounts like 20rs. Earlier the neon sub was free for the first year now its need to be purchased.
   1. NOTE : The 2% is on scan and pay . On online purchase its just 0.5%.
2. Milestone benefits:
   1. Milestone 1 : When you hit 50K annual milestone you get 3% on all the spends spent till 50K. Plus 1 airport lounge access.
   2. Milestone 2 : When you hit 1L annual milestone you get 4% on all the spends spent till 1L. Plus 1 airport lounge access.
   3. Milestone 3 : When you hit 1.5L annual milestone you get 5% on all the spends spent till 1.5L. Plus 1 airport lounge access.
   4. Once a milestone is hit, they credit you the remainder % of cashback in the next month. i.e., (milestone - 2% )
   5. After all the milestones hit you keep getting 2%
   6. Case 1: Your spends over an year is about 50K. Assuming you can easily get 100rs bonus kiwis
      1. CB % = (50000*0.03 + 100 - 1180)*100/50000 = 0.8% 🙄 . I suggest you not to take subscription and switch to default 1.5% CB.
   7. Case 2: Your spends over an year is about 1L. Assuming you can easily get 200rs bonus kiwis
      1. CB % = (100000*0.04 + 200 - 1180)*100/100000 = 3.02%😀
   8. Case 3: Your spends over an year is about 1.5L. Assuming you can easily get 300rs bonus kiwis
      1. CB % = (150000*0.05 + 300 - 1180)*100/150000 = 4.4% 🥳
3. exclusions :
   1. big ticket purchases like gold, jewellery, insurances, rents, edu fee dont reward any kiwis and not even considered for milestones.

Even one doesn't get super pro they are good as long as the annual spends are 1-1.5L. One more benefit is, the milestones are calculated on annual basis. So, your monthly spends can vary from 100rs to CL/2 .Monthly upper limit on rewarding spends is CL/2. If your CL is 1L, you can spend till 50K pm to get rewards, unlike superpro where it has hard stop at 16.6K.

@djrocky
you can apply with my referral in my siggy and you get 300rs welcome bonus

Does referral still give free neon or Rs 300 only?

 

[HumorSimpson]

Does referral still give free neon or Rs 300 only?

300 Rs only

 

[Hemang]

Apne forum pe kisi ne liya hai kya kredit pe yes bank ace vala card bhai.

 

[TripleAce]

Note: currently kiwi is issued by yes bank. If you already have some yes cc they may not process the application.

Now the first year subscription is not free since July 1st week even with referral . Referral rewards 300 Rs to applicant and 300 Rs to referee on successful on boarding. The best thing for you would be apply via c-a-s-h-k-a-r-o affiliate which gives 1100rs as bonus


kiwi with neon subscription gives 2% CB on scan &pays and milestone benefits of 3%, 4% and 5% at 50K, 1L and 1.5L. Without neon its 1.5% and no milestone benefits.

1. Neon Subscription(999rs + ginger special tea) you get 2% on scan & pay. Min spend is 100rs and you get 8 kiwis (worth 2rs) per 100rs instant and many times it gives some bonus. This bonus is random many times and it appears as a pop up toy like duck/elephant etc . This you get even for spending small amounts like 20rs. Earlier the neon sub was free for the first year now its need to be purchased.
   1. NOTE : The 2% is on scan and pay . On online purchase its just 0.5%.
2. Milestone benefits
   1. Milestone 1 : When you hit 50K annual milestone you get 3% on all the spends spent till 50K. Plus 1 airport lounge access.
   2. Milestone 2 : When you hit 1L annual milestone you get 4% on all the spends spent till 1L. Plus 1 airport lounge access.
   3. Milestone 3 : When you hit 1.5L annual milestone you get 5% on all the spends spent till 1.5L. Plus 1 airport lounge access.
   4. Once a milestone is hit, they credit you the remainder % of cashback in the next month. i.e., (milestone - 2% )
   5. After all the milestones hit you keep getting 2%
   6. Case 1: Your spends over an year is about 50K. Assuming you can easily get 100rs bonus kiwis
      1. CB % = (50000*0.03 + 100 - 1180)*100/50000 = 0.8% 🙄 . I suggest you not to take subscription and switch to default 1.5% CB.
   7. Case 2: Your spends over an year is about 1L. Assuming you can easily get 200rs bonus kiwis
      1. CB % = (100000*0.04 + 200 - 1180)*100/100000 = 3.02%😀
   8. Case 3: Your spends over an year is about 1.5L. Assuming you can easily get 300rs bonus kiwis
      1. CB % = (150000*0.05 + 300 - 1180)*100/150000 = 4.4% 🥳
3. Exclusions :
   1. big ticket purchases like gold, jewellery, insurances, rents, edu fee dont reward any kiwis and not even considered for milestones.

Even one doesn't get super pro they are good as long as the annual spends are 1-1.5L. One more benefit is, the milestones are calculated on annual basis. So, your monthly spends can vary from 100rs to CL/2 .Monthly upper limit on rewarding spends is CL/2. If your CL is 1L, you can spend till 50K pm to get rewards, unlike superpro where it has hard stop at 16.6K.

@djrocky

Thanks for the detailed analysis. Super informative!!
Cheers 🍻

 

[rajcasio]

1. Exclusions :
   1. big ticket purchases like gold, jewellery, insurances, rents, edu fee dont reward any kiwis and not even considered for milestones.

Automobile shops (spare/service/engine oil) also are excluded from KIWI's & Milestones

 

[HumorSimpson]

Automobile shops (spare/service/engine oil) also are excluded from KIWI's & Milestones

OK updated. .

 

[rajcasio]

Today i faced another exclusion shock by using YES KIWI
Used at a local shop who deals with Mobile sales/repair, Watches sales/repair
No KIWIS and it ended up in INELIGIBLE section 😡

 

[HumorSimpson]

Today i faced another exclusion shock by using YES KIWI
Used at a local shop who deals with Mobile sales/repair, Watches sales/repair
No KIWIS and it ended up in INELIGIBLE section 😡

If it's wrong MCC nothing can be done. I too face this at one groceries where the MCC is tagged to legal ⚖️ services and all I get is big zero rewards

 

[CHOCOPANDA]

Note: currently kiwi is issued by yes bank. If you already have some yes cc they may not process the application.

Now the first year subscription is not free since July 1st week even with referral . Referral rewards 300 Rs to applicant and 300 Rs to referee on successful on boarding. The best thing for you would be apply via c-a-s-h-k-a-r-o affiliate which gives 1100rs as bonus


kiwi with neon subscription gives 2% CB on scan &pays and milestone benefits of 3%, 4% and 5% at 50K, 1L and 1.5L. Without neon its 1.5% and no milestone benefits.

1. Neon Subscription(999rs + ginger special tea) you get 2% on scan & pay. Min spend is 100rs and you get 8 kiwis (worth 2rs) per 100rs instant and many times it gives some bonus. This bonus is random many times and it appears as a pop up toy like duck/elephant etc . This you get even for spending small amounts like 20rs. Earlier the neon sub was free for the first year now its need to be purchased.
   1. NOTE : The 2% is on scan and pay . On online purchase its just 0.5%.
2. Milestone benefits
   1. Milestone 1 : When you hit 50K annual milestone you get 3% on all the spends spent till 50K. Plus 1 airport lounge access.
   2. Milestone 2 : When you hit 1L annual milestone you get 4% on all the spends spent till 1L. Plus 1 airport lounge access.
   3. Milestone 3 : When you hit 1.5L annual milestone you get 5% on all the spends spent till 1.5L. Plus 1 airport lounge access.
   4. Once a milestone is hit, they credit you the remainder % of cashback in the next month. i.e., (milestone - 2% )
   5. After all the milestones hit you keep getting 2%
   6. Case 1: Your spends over an year is about 50K. Assuming you can easily get 100rs bonus kiwis
      1. CB % = (50000*0.03 + 100 - 1180)*100/50000 = 0.8% 🙄 . I suggest you not to take subscription and switch to default 1.5% CB.
   7. Case 2: Your spends over an year is about 1L. Assuming you can easily get 200rs bonus kiwis
      1. CB % = (100000*0.04 + 200 - 1180)*100/100000 = 3.02%😀
   8. Case 3: Your spends over an year is about 1.5L. Assuming you can easily get 300rs bonus kiwis
      1. CB % = (150000*0.05 + 300 - 1180)*100/150000 = 4.4% 🥳
3. Exclusions :
   1. big ticket purchases like gold, jewellery, insurances, rents, edu fee, Automobile shops (spare/service/engine oil) don't reward any kiwis and not even considered for milestones.

Even one doesn't get super pro they are good as long as the annual spends are 1-1.5L. One more benefit is, the milestones are calculated on annual basis. So, your monthly spends can vary from 100rs to CL/2 .Monthly upper limit on rewarding spends is CL/2. If your CL is 1L, you can spend till 50K pm to get rewards, unlike superpro where it has hard stop at 16.6K.

@djrocky

Hey bro does purchase a item on emi of 3 months will get considered for calculating of milestone benefits

 

[HumorSimpson]

Hey bro does purchase a item on emi of 3 months will get considered for calculating of milestone benefits

No idea 💡