KIWI UPI RuPay Credit Card on Electricity bills
No. The KIWI UPI RuPay Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
1.5%
Rank for Electricity bills
#122 of 149
Annual fee
Free
What to know before you pay on Electricity bills
How it works
1.5% is for scan-and-pay UPI at shops (6 Kiwis per ₹100). Online payments, which is how you pay these apps and sites, earn 0.5%. Telecom and utility bills earn nothing.
Caps & rules
- 6 Kiwis per ₹100 on UPI scan and pay (1.5%) and 2 Kiwis per ₹100 on online spends (0.5%), for cards issued since 4 Jul 2024.
- 1 Kiwi = ₹0.25, redeemed to your bank account in multiples of 500.
- Monthly Kiwis capped at 1% of your credit limit.
- RuPay card issued by YES Bank, used through the Kiwi app.
- Lifetime free.
Reward limits
- 1.5% on UPI Scan & Pay (5% with Kiwi Neon): No limit
No rewards on
Fuel, telecom and utility bills, government, rent-type and other excluded MCCs listed in Kiwi's rewards policy; refunded transactions
Checked 2026-10-11 · Bank terms
Cards that earn more on Electricity bills
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
Apply now -
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
Apply now -
#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
5%
Apply now
Where else the KIWI UPI RuPay Credit Card earns more
Questions
Does the KIWI UPI RuPay Credit Card give rewards on Electricity bills?
No. The KIWI UPI RuPay Credit Card earns no rewards on Electricity bills.
Is there a limit on KIWI UPI RuPay Credit Card rewards?
6 Kiwis per ₹100 on UPI scan and pay (1.5%) and 2 Kiwis per ₹100 on online spends (0.5%), for cards issued since 4 Jul 2024. 1 Kiwi = ₹0.25, redeemed to your bank account in multiples of 500. Monthly Kiwis capped at 1% of your credit limit. RuPay card issued by YES Bank, used through the Kiwi app. Lifetime free.
Which credit card is best for Electricity bills?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Electricity bills, with 10% back. The KIWI UPI RuPay Credit Card ranks #122 of 149 cards we compared, by what each returns after caps.