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
Cashback
| Category | Rate | Detail |
|---|---|---|
| upi scan and pay | 1.5% | 1.5% on UPI scan-and-pay (6 Kiwis per Rs 100, where 1 Kiwi = Rs 0.25) |
| Default cashback rate | 0.5% | All other eligible spends |
Fees
| Joining fee | ₹0 |
| Annual fee | ₹0 |
Lounge access
ProgrammeNone on the base card. Up to 3 domestic visits a year via the optional Neon membership (₹999 + taxes/yr), one visit unlocked at each of three qualifying annual spend milestones: ₹50,000, ₹1 lakh, and ₹1.5 lakh.
Eligibility
Min annual income₹3,00,000
Age21 – 60 years
EmploymentSalaried & self-employed
Ready to apply for the Kiwi RuPay Credit Card?
Apply on Yes Bank, AU SFB, PNB
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