Axis Bank SUPERMONEY RuPay Credit Card vs Kiwi RuPay Credit Card (PNB)
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | Axis Bank SUPERMONEY RuPay Credit Card | Kiwi RuPay Credit Card (PNB) |
|---|---|---|
| Issuer | Axis Bank | Punjab National Bank |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Lifetime free: no joining or annual fee. | Virtual card: no joining or annual fee |
| Everyday spends (value back) | 1% | – |
| Online shopping (value back) | 1% | 0.5% |
| Fuel (value back) | 0% | – |
| Groceries (value back) | 1% | – |
| UPI (value back) | 3% | 1.5% |
| Travel (value back) | 1% | – |
| Bills and utilities (value back) | 0% | – |
| Dining and food delivery (value back) | 1% | 0.5% |
| Rewards in short | Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap. | RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers. |
| Works on UPI | Yes (RuPay) | Yes (RuPay) |
| Airport lounge | None | PNB lists domestic and international airport lounge access on spends of ₹50,000, run by GoKiwi; the number of visits and the spend period are not published. |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle (the bank's terms say the amount credited may be 0.989%); GST on the surcharge isn't refunded; fuel earns no cashback | 1% waiver on fuel transactions above ₹400 and below ₹4,000, max ₹350 per statement cycle |
| Card network | RuPay | RuPay |
| Minimum income (salaried) | Not published by the bank | ₹20,833 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Axis Bank SUPERMONEY RuPay Credit Card if
you also use the card online and want 1% there with no cap
Lifetime free
Pick the Kiwi RuPay Credit Card (PNB) if
you mostly scan and pay by UPI and want a flat 1.5%
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better for UPI, SuperMoney or Kiwi?
Kiwi is simpler: 1.5% on every UPI scan-and-pay, up to 1% of your credit limit a month (₹500 on a ₹50,000 limit). SUPERMONEY's 3% through the super.money app is limited each cycle to the cashback you earn on other spends, at least ₹100, so with no other spending it stops after about ₹3,300 of super.money UPI. On ₹10,000 of UPI in a cycle, Kiwi pays ₹150; SUPERMONEY pays about ₹167 if you put about ₹3,300 through super.money and the rest through another UPI app at 1%.
Who can get the Axis SuperMoney card?
You apply in the super.money app. If you already bank with Axis, you can get it only if you hold a Flipkart Axis Bank credit card, and Axis doesn't publish age or income criteria. PNB asks for an income of ₹2.5 lakh a year for Kiwi, which you apply for in the Kiwi app.
Does SuperMoney or Kiwi have lounge access?
Axis lists no lounge access for SUPERMONEY. PNB lists domestic and international airport lounge access for Kiwi on ₹50,000 of spend, run by GoKiwi, but doesn't publish how many visits or over what period.
What earns nothing on these cards?
Neither pays on fuel, rent, utility bills, wallet loads, insurance, education or government payments. SUPERMONEY pays nothing on transactions under ₹100, and Kiwis are given only on amounts in multiples of ₹100. Both waive the 1% fuel surcharge: SUPERMONEY on ₹400 to ₹4,000 transactions, up to ₹400 a statement cycle, and Kiwi on transactions above ₹400 and below ₹4,000, up to ₹350.
Full details: Axis Bank SUPERMONEY RuPay Credit Card · Kiwi RuPay Credit Card (PNB) · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.