About Kiwi Credit Card
The Kiwi Credit Card, issued in collaboration with banks such as Yes Bank (as a RuPay card) via the Kiwi app, is a lifetime-free virtual credit card designed primarily for seamless UPI payments (scan & pay) and attractive cashback, particularly for everyday digital spends in India. You can earn up to 5% cashback with NEON membership and up to ₹7,500 per month.
Fees and Charges
- Joining Fee: ₹0 (Lifetime free)
- Annual Fee: ₹0 (Lifetime free for the card; Neon subscription is separate at ₹999 + taxes per year for enhanced benefits)
- Annual Fee Waiver Spends: NA (no annual fee on card)
- Add-on Cards: NIL
- Forex Markup Fee: NA (primarily domestic/UPI-focused; not highlighted for international use)
Welcome and Milestone Benefits
- Welcome Benefits: Instant virtual card issuance, Cashback between ₹100 - ₹800 on first UPI payment
- Milestone Benefits: Primarily for Neon users – e.g., ₹50,000 annual eligible spends: 3% cashback + 1 domestic lounge access; ₹1,00,000: 4% cashback + 1 lounge; ₹1,50,000: 5% cashback (retroactive on all spends) + 1 lounge (up to 3 lounges total)
Cashback and Rewards
- Card Type: Virtual RuPay Credit Card (UPI-enabled)
- Card Network: RuPay
- Best For: Heavy UPI users (scan & pay for daily expenses like groceries, food, merchants), those seeking high cashback on UPI without annual fees, and digital payment enthusiasts
- Cashback/Rewards on Online Purchases: Base ~0.5% (non-Neon); higher with Neon/milestones Upto 5%
- Cashback/Rewards on Offline Purchases: Focused on UPI/scan & pay; base 1.5% (recent issuances) or up to 2% on scan & pay (Neon enhances to higher via milestones up to 5%)
- Maximum Cashback per Statement Cycle: Capped at an equivalent to 1% of the credit limit monthly. (e.g., ₹1000 cashback or 4000 kiwis on a ₹1 lakh limit)
- Rewards Redemption Options: Earned as "Kiwis" (1 Kiwi = ₹0.25); redeem to linked bank account (No minimum amount required). milestone rewards are automatically credited after 30 days of achievement.
Lounge Access
- Domestic Lounge Access: Up to 3 per year via Neon milestones (1 per milestone achieved)
- International Lounge Access: NIL
Category Spend Benefits
- Online Shopping: Eligible for base/milestone cashback (UPI-enabled)
- Food and Grocery: Strong via UPI scan & pay (high everyday use)
- Travel Booking: Lounge access via milestones; partner offers possible
- Utility Bill Payments: Excluded (no rewards)
- UPI Payment (Scan & Pay): Core strength; higher rates (1.5-2% base, up to 5% with Neon)
Membership and Subscription
- Neon User Benefits: ₹999/yr subscription unlocks higher base (e.g., Flat 2% on scan & pay), milestone rewards (up to 5% cashback retroactive), up to 3 domestic lounge accesses, exclusive brand offers.
- Non-Neon User benefits: Lifetime-free card with base 1.5% cashback on UPI/scan & pay (or lower on online), no lounge/milestones
All Excluded Categories
- Government services, utilities, fuel, insurance, rent, education, telecom, jewelry, real estate, agricultural/horticultural/vet services, business/professional/marketing services, transportation, certain retail/miscellaneous (based on MCC codes); refunds, suspicious transactions; rewards only on ₹100 multiples
Why Choose Kiwi Credit Card?
The Kiwi Credit Card stands out as a no-cost way to get started with credit-linked UPI payments, allowing you to earn cashback on everyday merchant purchases and scan and pay transactions where traditional cards fail. With lifetime-free status, instant virtual access, and direct bank redemption of rewards, it's ideal for maximizing savings on groceries, food, and merchant purchases made with UPI. For high-volume UPI users (e.g., ₹1.5 lakh+ annually), the optional Neon upgrade provides exceptional value with up to 5% cashback and lounge perks, often paying for itself quickly through rewards. It is backed by trusted partners (RuPay, Yes Bank/AU), provides strong security, and has helped users save thousands of rupees collectively.
Who is eligible for the Kiwi Credit Card?
Typically, applicants must have a good credit score (CIBIL 750+ is recommended), be between the ages of 21 and 60, and not hold certain other Kiwi/partner cards. Apply digitally through the Kiwi app with KYC; approval is quick for eligible profiles.
Is the Kiwi Credit Card worth applying for?
Yes, especially if you frequently use UPI for daily payments—it's one of the best lifetime-free options for earning 1.5% or more cashback on scan and pay without fees. Non-Neon is suitable for moderate users, while Neon is ideal for higher spenders, with a break-even point of approximately ₹50,000 through extra cashback and lounges. The limitations on exclusions (no rewards on utilities/rent/fuel) make it a secondary rather than primary card, but for UPI-focused lifestyles, it's highly worthwhile in 2026. Download the Kiwi app to check your eligibility and start earning today!