whats your opinion on kiwi and kiwi cc

ive been using paytm since 6 yrs, its good but the main usp for paytm for payments bank (but it looks like it wont be back ) so im thinking of trying kiwi since its been giving good cashback.

whats your opinion on it, is it any good

and also apparently it has 5%cashback on credit card use via upi