I have already told.about kiwi, yet you still suggest me this.
Anyways..I got kiwi app downloaded last month. So im not new customer. I have already deleted the app and deleted the upi address.
Already been with yes bank, so not allowed to get 2nd card. Since i recently closed my cc, i have to wait cooldown of 6 months, and then apply for new cc in yes bank again.
So kiwi is not option for me. Anything on number2 and number3 in your list ?