Kiwi RuPay Credit Card

Cashback Details

Fees

Eligibility

Key Features

• Lifetime free RuPay credit card with virtual issuance and physical card on request
• 1.5% rewards on UPI scan-and-pay (6 Kiwis per Rs 100, where 1 Kiwi equals Rs 0.25)
• 0.5% on online or collect-mode UPI transactions
• Optional Neon membership at Rs 999 plus taxes a year unlocks milestone tiers: 3% past Rs 50,000, 4% past Rs 1 lakh, 5% past Rs 1.5 lakh of qualifying annual spend
• Up to 3 complimentary domestic lounge visits a year via Neon (one released per milestone)
• Monthly Kiwis cap set at 1% of the card credit limit
• Rewards redeemed in multiples of 500 Kiwis (Rs 125 minimum) directly to the linked bank account
• UPI exclusions cover telecom, utilities, jewellery, fuel, rent, insurance, education, and government services
• Effective June 2025, Kiwis are awarded only on UPI transactions in multiples of Rs 100
• Issued to new applicants by one of three banks (Yes Bank, AU Small Finance Bank, or Punjab National Bank); legacy cardholders may sit on Axis Bank