KIWI UPI RuPay Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)
Welcome Bonus
Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback
Lounge
Domestic (Neon Spend Milestones)
Our Expert Take
KIWI is built around UPI spending specifically: up to 5% cashback through the Kiwi app's Neon program, scaling up as your annual UPI spend crosses ₹50,000, ₹1 lakh and ₹1.5 lakh. It's a strong pick if most of your daily spending already happens over UPI rather than card swipes.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
1.5% on UPI Scan & Pay (5% with Kiwi Neon)
No limit
Pros & Cons
Key Advantages
- 100% Lifetime Free credit card with zero joining and annual fees
- Earn up to 5% cashback on all eligible UPI transactions
- Native RuPay credit card integration directly linked to Kiwi UPI App
- Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
- Domestic airport lounge access available via Neon spend milestones
Limitations
- Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
- Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
- No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends
Key Perks & Spending Milestones
1.5% base cashback (6 Kiwis per ₹100 spent) on all eligible UPI Scan & Pay transactions
Up to 5% milestone cashback upon reaching annual UPI spend thresholds via Neon program
1 Kiwi = ₹0.25 cashback valuation, redeemable as statement credit
Instant virtual card issuance and direct UPI QR scanning inside Kiwi App
1 complimentary domestic airport lounge visit unlocked per spend milestone (₹50k, ₹1L, ₹1.5L)
Zero joining and zero annual renewal fee liabilities
Spend milestone
Unlock 3% cashback at ₹50k, 4% at ₹1L, and 5% retroactive cashback at ₹1.5L annual UPI spends under Neon
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Lifetime Free credit card with zero joining and zero annual maintenance fees
Interest rate
3.75% per month (45% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 60 years
employment profiles
Salaried and Self-Employed Individuals
Credit score & income
Good (750+)
Frequently Asked Questions
What's the cashback rate on KIWI UPI RuPay Credit Card?
How does lounge access work on this card?
Compare KIWI UPI RuPay Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| KIWI UPI RuPay Credit Card This Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |
| ICICI Amazon Pay Credit Card | Free | 5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay... | No Lounge Access | 4.5/5 |