see let me clarify..kiwi cc has base reward of 0.5% on upi and online spends..
now if u have neon subscription..then ur reward will be 2% on upi..and 0.5% on online..
on kiwi subs..u will have milestone benifit..
spend..50k in a year..u get total 3% reward(2%base on upi or 0.5%on online)+1% extra + 1airport lounge access
spend..1l in a year..u get total 4% reward(2%base on upi or 0.5%on online)+2% extra + 1airport lounge access
spend..1.5k in a year..u get total 3% reward(2%base on upi or 0.5%on online)+3% extra + 1airport lounge access
if u dont have neon subs..u wont get any milestone option too..only base reward of 0.5% on upi and online spends..
neon subs is fyf