KIWI UPI RuPay Credit Card on IRCTC
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on IRCTC, the same as most other spends.
On IRCTC
0.5%
Other spends
1.5%
Rank for IRCTC
#96 of 149
Annual fee
Free
What to know before you pay on IRCTC
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 IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
Apply now -
#2
6.67%
Apply now -
#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
Apply now
Where else the KIWI UPI RuPay Credit Card earns more
Questions
Does the KIWI UPI RuPay Credit Card give rewards on IRCTC?
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on IRCTC, 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 IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The KIWI UPI RuPay Credit Card ranks #96 of 149 cards we compared.