All cards / Equitas Small Finance Bank (Kiwi)
Equitas Small Finance Bank (Kiwi)
Kiwi Black Metal Card
RuPay
Kiwi Black Metal Card
Kiwi's premium metal card asks for a real annual fee in exchange for the richest cashback in its lineup, positioning it as an upgrade path for Kiwi customers whose spending has outgrown the free and Plus tiers — worthwhile only if actual spend clears the fee waiver threshold.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹999
Joining fee
₹999
Reward type
cashback
Base reward rate
2%
Card network
RuPay
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate
- 🛍️ Shopping
4% reward rate
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Higher cashback tier than the free Kiwi and Kiwi Plus cards, aimed at established, higher-spending users
- Metal card body, RuPay credit-on-UPI enabled
Pros
- + 4% cashback on dining and online shopping, the highest in Kiwi's card lineup
- + Metal card body with RuPay credit-on-UPI support
- + Fee waived on ₹2 lakh of annual spend
Cons
- − ₹999 joining and annual fee are meaningful if the spend waiver isn't met
- − No lounge access or travel insurance despite the premium fee
- − Equitas SFB's smaller offline service network versus large private banks