KIWI UPI RuPay Credit Card on Online shopping
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Online shopping, the same as most other spends.
On Online shopping
0.5%
Other spends
1.5%
Rank for Online shopping
#93 of 149
Annual fee
Free
What to know before you pay on Online shopping
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 Online shopping
-
#1
Axis Bank Cashback Credit Card
Axis Bank · 1st Year Fee: ₹1,000* Plus Applicable Taxes · Max ₹4,000 a month
5%
Apply now -
#2
Cashback SBI Credit Card
SBI Card · ₹999 + Taxes · Max ₹2,000 per statement cycle
5%
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 Online shopping?
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Online shopping, 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 Online shopping?
Axis Bank Cashback Credit Card is the best pick for regular spending on Online shopping, with 5% back. The KIWI UPI RuPay Credit Card ranks #93 of 149 cards we compared, by what each returns after caps.