{"id":6607,"date":"2026-03-22T10:30:00","date_gmt":"2026-03-22T05:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6607"},"modified":"2026-03-22T08:29:54","modified_gmt":"2026-03-22T02:59:54","slug":"sbi-cashback-vs-kiwi-can-fintech-credit-cards-offer-higher-cashback-than-traditional-bank-cards","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbi-cashback-vs-kiwi-can-fintech-credit-cards-offer-higher-cashback-than-traditional-bank-cards\/","title":{"rendered":"SBI Cashback vs Kiwi: Can Fintech Credit Cards Offer Higher Cashback Than Traditional Bank Cards?"},"content":{"rendered":"\n
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Synopsis: <\/strong>The article compares Kiwi, a fintech-driven UPI credit card, with SBI Cashback, a traditional bank cashback card. SBI offers a fixed online cashback system, while Kiwi provides rewards for UPI transactions. The article presents a detailed analysis of product features and reward systems and cost structures and practical applications in real life.<\/em><\/p>\n<\/blockquote>\n\n\n\n

India’s credit card system undergoes transformation because both fintech companies and traditional banks enter the market. The Kiwi card, which YES Bank Klick supports, introduces UPI-based rewards to create a new payment system, while the SBI Cashback Credit Card maintains its basic cashback function. A comparison like that will help you figure out if a fintech-driven path or the traditional bank is more attuned to your spending tendencies.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

SBI Cashback Credit Card<\/a><\/strong><\/h2>\n\n\n\n
\"Image:<\/a><\/figure>\n\n\n\n
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  • Joining Fee: <\/strong>\u20b9999 + taxes<\/li>\n\n\n\n
  • Annual Fee:<\/strong> \u20b9999 + taxes (Annual Fee Waiver: On spending \u20b9200,000 in a year)<\/li>\n<\/ul>\n\n\n\n

    Benefits: <\/strong><\/p>\n\n\n\n

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    • 5% cashback on all online spends (no merchant restriction) and 1% cashback on offline spends<\/li>\n\n\n\n
    • Maximum cashback capped at \u20b95,000 per statement cycle (combined)<\/li>\n\n\n\n
    • 1% fuel surcharge waiver on transactions between \u20b9500 and \u20b93,000 on all petrol pump across India\u00a0<\/li>\n\n\n\n
    • Maximum waiver capped at \u20b9100 per statement cycle<\/li>\n\n\n\n
    • Accepted at millions of outlets worldwide and works across online and offline merchants<\/li>\n\n\n\n
    • Contactless (tap-and-pay) enabled<\/li>\n\n\n\n
    • Cashback is not applicable on fuel, rent, wallet loads, EMI transactions, and cash advances<\/li>\n<\/ul>\n\n\n\n

      To apply for the card, please visit the Official Website<\/a><\/strong><\/p>