KIWI UPI RuPay Credit Card on Insurance premiums

Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Insurance premiums, the same as most other spends.

On Insurance premiums

0.5%

Other spends

1.5%

Rank for Insurance premiums

#43 of 149

Annual fee

Free

What to know before you pay on Insurance premiums

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

Apply now Full review Compare all cards for Insurance premiums

Cards that earn more on Insurance premiums

#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹500 a month

10%
Apply now
#2
HDFC Infinia Credit Card Metal Edition
HDFC Bank · ₹12,500 + Taxes

3.33%
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#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes

3.33%
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Where else the KIWI UPI RuPay Credit Card earns more

AJIO 0.5% Air India 0.5% Akasa Air 0.5% Amazon 0.5% Apollo 24|7 0.5% BigBasket 0.5% Blinkit 0.5% BookMyShow 0.5%

Questions

Does the KIWI UPI RuPay Credit Card give rewards on Insurance premiums?

Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Insurance premiums, the same as most other spends.

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 Insurance premiums?

PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Insurance premiums, with 10% back. The KIWI UPI RuPay Credit Card ranks #43 of 149 cards we compared, by what each returns after caps.