I/we have virtual kiwi cards (maintained by Axis as Kwik Rupay). SMS/billing/ accounting is done by Axis - no issues with that - quite happy.
But, usage of card online or via scans using kiwi App is highly problematic. It fails quite often. Yesterday n today - we were/are in Tirupati Airport, Delhi, Mahipalpur, Hapur, Moradabad, Haldwani and Bhimthal. Kiwi failed in all these places - except Tirupati. I had to Paytm n PNB Rupay Select card n Kotak SB account - for over 12 small n medium payments. Hotels, taxis, dhaba, bookshop, petrol bunks, medical shop, supermarket n roadside eatery.
This might help you to decide.