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 Access
Domestic (Neon Spend Milestones)
FindMyCard 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.
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
Editorial Verdict
The KIWI UPI RuPay Credit Card is ideally suited for daily upi payments, scan & pay cashback, zero fee rupay spends. If you want up to 5% cashback on upi spends via kiwi neon program (1.5% base reward: 6 kiwis per ₹100 spent), this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (750+) credit to be approved.
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
🚀 Milestone Spends Timeline
Unlock 3% cashback at ₹50k, 4% at ₹1L, and 5% retroactive cashback at ₹1.5L annual UPI spends under Neon
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Lifetime Free credit card with zero joining and zero annual maintenance fees
Regular Interest Charges
3.75% per month (45% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 60 years
employment profiles
Salaried and Self-Employed Individuals
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; 1% cashback on offline spends | 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 |