{"id":9195,"date":"2026-06-04T14:26:31","date_gmt":"2026-06-04T08:56:31","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=9195"},"modified":"2026-06-04T14:26:41","modified_gmt":"2026-06-04T08:56:41","slug":"sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/","title":{"rendered":"SBM ZET Credit Card vs Kiwi Credit Card: Which Earns More on \u20b910,000 Monthly UPI Spending in 2026?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>This article will compare SBM ZET and Kiwi UPI cards to assist you in determining which one is superior to use in 2026. The SBM ZET card is an FD-backed secure card that emphasizes cashback and building credit, whereas the Kiwi UPI is a lifetime free digital card.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The UPI credit cards are revolutionizing the digital payment landscape in India through a combination of credit features along with QR-enabled transactions. For instance, the SBM ZET Credit Card is an FD-backed and secured card that is specifically designed to build credit and earn cashbacks. On the other hand, the Kiwi Credit Card is a virtual card that is free of cost throughout its life.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3020634769\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbm-zet-credit-card\" style=\"font-size:22px\"><strong>SBM ZET Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/SBM-Zet-Credit-Card-1024x683.jpg\" alt=\"SBM Zet Credit Card\" class=\"wp-image-7666\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/SBM-Zet-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/SBM-Zet-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/SBM-Zet-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<p><strong>FD Requirement: <\/strong>The minimum FD starts from around \u20b92,000 and is a FD-backed secured credit card&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flat 2% cashback on ZET UPI payments<\/li>\n\n\n\n<li>Flat 5% cashback on Amazon &amp; Flipkart vouchers<\/li>\n\n\n\n<li>Up to 15% cashback on 80+ brand vouchers (Nykaa, Domino\u2019s, etc.)<\/li>\n\n\n\n<li>Up to 20% off on partner platforms like Swiggy, Zomato, Instamart, BookMyShow, etc. (max discount \u20b9100, once per month per partner)<\/li>\n\n\n\n<li>Cashback can be converted to cash and transferred to bank account<\/li>\n\n\n\n<li>FD earns up to 7% annual interest&nbsp;<\/li>\n\n\n\n<li>90% of FD amount as credit limit<\/li>\n\n\n\n<li>Up to 45 days interest-free credit period<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kiwi-credit-card\" style=\"font-size:22px\"><strong>Kiwi Credit Card <\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/kiwi-credit-card-1024x683.jpg\" alt=\"kiwi credit card\" class=\"wp-image-8882\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/kiwi-credit-card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/kiwi-credit-card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/kiwi-credit-card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fee\/Annual Fee: \u20b90 (lifetime free)<\/li>\n\n\n\n<li>1.5% cashback on UPI Scan &amp; Pay transactions<\/li>\n\n\n\n<li>0.5% cashback on online spends<\/li>\n\n\n\n<li>Up to 5% cashback through milestone-based rewards and Kiwi Neon membership benefits.&nbsp;<\/li>\n\n\n\n<li>Complimentary airport lounge access for eligible Kiwi Neon members (subject to terms and spending conditions).&nbsp;<\/li>\n\n\n\n<li>1% fuel surcharge waiver on transactions between \u20b9500 and<br>\u20b93,000 only.<\/li>\n\n\n\n<li>Maximum surcharge waiver \u20b9125 per statement cycle&nbsp;<\/li>\n\n\n\n<li>2 reward points per \u20b9200 on non-UPI spends<\/li>\n\n\n\n<li>100% virtual credit card (no physical card issued)<\/li>\n\n\n\n<li>Forex charges: 2.75% on foreign transactions&nbsp;<\/li>\n\n\n\n<li>UPI transactions are allowed only for merchant payments (not peer-to-peer transfers)<\/li>\n\n\n\n<li>Works via UPI Scan &amp; Pay using RuPay credit card<\/li>\n\n\n\n<li>Enables credit card payments on UPI (Scan &amp; Pay \/ merchant payments)<\/li>\n\n\n\n<li>Requires Kiwi app for usage and rewards tracking<\/li>\n\n\n\n<li>Existing YES BANK credit card holders may not be eligible for this card<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/phonepe-sbi-card-select-black-and-purple-devalued-from-july-1-what-are-the-best-sbi-credit-card-alternatives-now\/\" target=\"_blank\" rel=\"noreferrer noopener\">PhonePe SBI Card SELECT Black and PURPLE Devalued From July 1: What Are the Best SBI Credit Card Alternatives Now?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-head-to-head-comparison\" style=\"font-size:22px\"><strong>Head-to-head Comparison<\/strong><\/h2>\n\n\n<div id=\"footable_parent_9348\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"9348\" data-filter-delay=\"1000\" aria-label=\"Credit Card - Sheet1 (21).csv\"            id=\"footable_9348\"\n           data-unique_identifier=\"ninja_table_unique_id_1505633706_9348\"\n           class=\" foo-table ninja_footable foo_table_9348 ninja_table_unique_id_1505633706_9348 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-total-monthly-savings-on-10-000-monthly-spend-nbsp\" style=\"font-size:22px\"><strong>Total Monthly Savings on \u20b910,000 Monthly Spend&nbsp;<\/strong><\/h2>\n\n\n<div id=\"footable_parent_9351\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"9351\" data-filter-delay=\"1000\" aria-label=\"Credit Card - Sheet1 (22).csv\"            id=\"footable_9351\"\n           data-unique_identifier=\"ninja_table_unique_id_73864745_9351\"\n           class=\" foo-table ninja_footable foo_table_9351 ninja_table_unique_id_73864745_9351 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p><strong>Note: <\/strong>Illustrative calculation; actual savings may vary based on offers, caps, and usage patterns.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2063157650\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-card-is-best-for-you-nbsp\" style=\"font-size:22px\"><strong>Which Card is Best for You?&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are looking for a secured FD-backed credit card that offers high cashback, then SBM ZET Credit Card is the one for you as long as you are willing to lock funds in FD.<\/li>\n\n\n\n<li>The Kiwi Credit Card can be a good option for you, as it offers a zero lifetime fee on the credit card without any FD requirement, and you enjoy a completely digitized UPI-first approach with lifestyle rewards.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thought\" style=\"font-size:22px\"><strong>Final Thought<\/strong><\/h2>\n\n\n\n<p>Neither of the two cards is a clear winner. The decision of which one is better comes down to your preference for either a secured cashback option or free digital convenience (Kiwi).&nbsp;<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1654410400\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written By Ameet S<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article will compare SBM ZET and Kiwi UPI cards to assist you in determining which one is superior to use in 2026. The SBM ZET card is an FD-backed secure card that emphasizes cashback and building credit, whereas the Kiwi UPI is a lifetime free digital card. The UPI credit cards are revolutionizing [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":9353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[],"ppma_author":[3332],"class_list":["post-9195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBM ZET Credit Card vs Kiwi Credit Card: Which Earns More on \u20b910,000 Monthly UPI Spending in 2026?<\/title>\n<meta name=\"description\" content=\"This article will compare SBM ZET and Kiwi UPI cards to assist you in determining which one is superior to use in 2026. The SBM ZET card is an FD-backed secure card that emphasizes cashback and building credit, whereas the Kiwi UPI is a lifetime free digital card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBM ZET Credit Card vs Kiwi Credit Card: Which Earns More on \u20b910,000 Monthly UPI Spending in 2026?\" \/>\n<meta property=\"og:description\" content=\"This article will compare SBM ZET and Kiwi UPI cards to assist you in determining which one is superior to use in 2026. The SBM ZET card is an FD-backed secure card that emphasizes cashback and building credit, whereas the Kiwi UPI is a lifetime free digital card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Trade Brains Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-04T08:56:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-04T08:56:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/06\/SBM-Zet-vs-KIWI.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ameet S\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"SBM ZET Credit Card vs Kiwi Credit Card: Which Earns More on \u20b910,000 Monthly UPI Spending in 2026?\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ameet S\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/\",\"url\":\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/\",\"name\":\"SBM ZET Credit Card vs Kiwi Credit Card: Which Earns More on \u20b910,000 Monthly UPI Spending in 2026?\",\"isPartOf\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tradebrains.in\/money\/sbm-zet-credit-card-vs-kiwi-credit-card-which-earns-more-on-10000-monthly-upi-spending-in-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/06\/SBM-Zet-vs-KIWI.jpg\",\"datePublished\":\"2026-06-04T08:56:31+00:00\",\"dateModified\":\"2026-06-04T08:56:41+00:00\",\"author\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/05ccc68b421d34c8740f9bb06e0454e7\"},\"description\":\"This article will compare SBM ZET and Kiwi UPI cards to assist you in determining which one is superior to use in 2026. 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