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Revaluation Kiwi Yes Bank Credit Cards (Rupay - UPI) Rolling out

Is any person holding yes bank's any card and got approved Kiwi Yes Bank card? thinking of applying for kiwi card but already a yes card. plz suggest.
 
2% on all merchant upi..and pass 50k in a year..get 3% ..pass 1lac..get 4%..pass 1.5lac..get 5% on upi

Are insurance payments count for 50k /1 lakh spend count although we are not get kiwis cb ?
 
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