I got the prepaid card for 99. The prepaid card a Pine Labs Rupay Corporate Card. It has 500 on I keep it just in case. Normal reward rate is 1%. Around the last week of every month they increase rewards to 3 - 5% for select categories. You can get 20% CB on recharges through PhonePe. You get the reward in BTC or Digital gold. You can transfer it to your personal wallet after 1 month lock in period. I bought a lot of stuff in the first month at 5% CB. Got BTC for all txns. Since BTC has appreciated I transferred it to my wallet. It's a weird concept and the app is buggy. I've got Rs500 in CB total. Covers the 99 issuance fee. They have a CC partnership with Yes Bank (Dual cards) but Yes Bank only offers one Cobranded credit card per user and since I want the kiwi card I'm not gonna apply.