Kiwi vs SuperMoney vs Neu Card: Cashback Calculator

Which RuPay Credit Card Rewards You the Most?

UPI Cashback Calculator

UPI Cashback Calculator: Kiwi vs SuperMoney vs Neu Card

Enter your average monthly spends and click 'Calculate Annual Savings'.
*Kiwi Neon Annual Fee: Rs. 1,179. Tata Neu Infinity Annual Fee: Rs. 1,769 (₹1,499 + GST). These fees are deducted for the respective 'With Membership' and 'RuPay Variant' calculations.
**Disclaimer:** All Kiwi calculations assume a fixed **Credit Limit of Rs. 1,50,000**. The Monthly Kiwi Cashback is limited to 1% of Credit Limit Offered (Rs. 1,500/month or Rs. 18,000/year, calculation based on average credit limit of 1.5L). Tata Neu is calculated assuming **1.5% UPI reward** (0.5% base + 1% for Neu UPI ID) with a monthly cap of **₹500** (₹6,000/year).

Kiwi vs SuperMoney vs Neu Card: Why Compare?

The Kiwi vs SuperMoney vs Neu Card cashback battle is complex! Each are top-tier RuPay UPI credit cards, but their savings strategies differ wildly. While SuperCard Pro offers a straight 3% cashback (capped at Rs. 500/month), Kiwi’s returns jump up to 5% but require navigating the Neon Membership, Milestones, and a 1% credit limit cap.

Neu Card might not offer the best cashback on UPI but offers many exciting offers like 10% Cashback on Shopping, 5% on Utility Bills, Airport Lounge and more.

Our tool cuts through the complexity to give you an accurate, personalized net annual return.

Related Blog: Best RuPay Credit Card for UPI | Kiwi vs SuperMoney vs NeuCard

The UPI Cashback Rules

To maximize your savings, understand the core:

  • Kiwi (With Neon): The Neon Membership (optional) costs Rs 1,179 including GST and offers a base cashback rate of 2% and Milestone Cashback of 3%, 4% and 5% on spending 50K, 100K and 150K in a year.

  • Kiwi (Without Neon): Simple 1.5% cashback, but this option rarely beats SuperCard Pro.

  • SuperCard Pro: Guaranteed 3% cashback, capped at Rs. 500 per billing cycle (Annual Cap Rs. 6,000).

  • Tata Neu Infinity Credit Card: 1.5% cashback as neucoins up to Rs 500/month.

👉 Working Kiwi Referral Code (Dec'25): Will Be Updated Soon!

Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our ranking/review for  Super.Money, GoKiwi.in or Neu.Card.

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