As RuPay credit cards gain traction, this comparison breaks down how SalarySe’s LevelUp Card and Kiwi differ in rewards, fees, and everyday usability. If you’re choosing between transaction-based perks and salary-first value, this guide helps you decide.
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As RuPay credit cards gain momentum, two names often come up in the conversation, SalarySe’s LevelUp Card and Kiwi. Both enable credit-powered UPI payments, but they are built with very different philosophies.
LevelUp is designed as a salary-first financial product, created around how salaried users actually earn, spend, and manage money every month. Kiwi, on the other hand, positions itself as a UPI-first cashback card, focused primarily on transaction-level rewards.
Edge: Kiwi focuses on how you pay. LevelUP elevates experience wherever you pay no matter how you pay.
Edge: Kiwi has limited rewards without membership, higher rewards attract fees. LevelUP has consistent rewards, for moments that matter the most.
Edge: Kiwi is easy to start with. LevelUp is designed to grow more rewarding as your salary journey evolves.
Edge: Kiwi packages perks. LevelUp unlocks their full potential and makes them meaningful.
Edge: Kiwi is a payments product. LevelUp is a financial safety net.
Can both cards be used on UPI?
Yes. Both enable RuPay credit payments via UPI apps.
What makes LevelUp’s rewards different?
LevelUp combines daily UPI cashback with salary-aligned bonus rewards, offering higher value when users actually need spending flexibility.
Which card offers better long-term value?
Kiwi offers instant cashback. LevelUp is built for sustained value throughout the month, perfectly synced with salary cycles, not just individual transactions.
Kiwi has positioned itself well as a simple, cashback-focused UPI credit card. It works for users who want quick rewards on everyday payments.
LevelUp, however, is built with deeper intent. By providing cashback on daily UPI transactions, Salary Day bonuses, the potential to earn over 50,000 points monthly, and access to 12 lounges, it aligns credit with the realities of salaried life, not just payment processes.
If you’re looking for more than just cashback, and want a card that understands your month, your salary cycle, and your real financial needs, LevelUp is built for you.
👉 Apply for the LevelUp Card today and experience the salary-first credit on UPI.
SalarySe raises $11.3M to redefine credit access for India’s workforce. Led by Flourish Ventures and SIG Venture Capital, with support from Peak XV Partners and Pravega Ventures, the funding will fuel AI-led innovation, enterprise expansion, and smarter financial solutions for salaried professionals.
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