KIWI UPI RuPay Credit Card on Swiggy Instamart
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Swiggy Instamart, the same as most other spends.
On Swiggy Instamart
0.5%
Other spends
1.5%
Rank for Swiggy Instamart
#107 of 149
Annual fee
Free
What to know before you pay on Swiggy Instamart
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
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#1
Swiggy HDFC Credit Card
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#2
HSBC Live+ Credit Card
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#3
HSBC RuPay Cashback Credit Card
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Where else the KIWI UPI RuPay Credit Card earns more
Questions
Does the KIWI UPI RuPay Credit Card give rewards on Swiggy Instamart?
Yes, but only its standard rate: the KIWI UPI RuPay Credit Card gives 0.5% back on Swiggy Instamart, 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 Swiggy Instamart?
Swiggy HDFC Credit Card gives the most on Swiggy Instamart, 10% back. The KIWI UPI RuPay Credit Card ranks #107 of 149 cards we compared.