All cards / Equitas Small Finance Bank (Kiwi)
Kiwi Plus Credit Card
RuPay
Kiwi Plus Credit Card
Kiwi Plus is Equitas Small Finance Bank's step-up variant of the base Kiwi card, adding a small annual fee in exchange for meaningfully higher cashback on dining and online shopping — a reasonable trade for users who spend enough to clear the waiver threshold.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹249
Joining fee
₹0
Reward type
cashback
Base reward rate
1.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ 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
3% reward rate · Higher cashback rates than the free Kiwi card on dining and online shopping, in exchange for a modest annual fee waived on regular spend
- 🛍️ Shopping
3% reward rate
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Higher cashback rates than the free Kiwi card on dining and online shopping, in exchange for a modest annual fee waived on regular spend
- RuPay credit-on-UPI enabled for scan-and-pay spending
Pros
- + 3% cashback on dining and online shopping, well above the free Kiwi card's rate
- + Annual fee waived on ₹50,000 of yearly spend
- + RuPay credit-on-UPI support
Cons
- − ₹249 annual fee applies if the spend threshold isn't met
- − No lounge access or travel benefits
- − Equitas SFB's smaller service network versus larger private banks