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Kiwi
Kiwi RuPay Credit Card
•••• 4970RuPay
Lifetime freeUPI readyRuPay

Kiwi RuPay Credit Card

by YES Bank / AU / PNB · Updated October 2026

Lifetime free credit card built for UPI scan & pay.

Best for Scan & pay with UPI · 1.5% on scan & pay
Apply now

You'll apply on the official Kiwi page. We never ask for your details.

Joining feeFree
Annual feeFree
Fee waiverNot needed
Lounge accessNone (Neon: on milestones)
UPIYes (RuPay)

Key benefits

01

1.5% cashback on UPI scan & pay

02

0.5% on online UPI payments

03

Up to 5% with Kiwi Neon (₹999/yr)

04

Instant digital card, lifetime free

Good to know

The 5% rate needs Kiwi Neon (₹999/yr) and ₹1.5 lakh of yearly UPI spend. Fuel, utilities, rent and some other categories earn nothing.

Rewards by spend category

Approximate value back on every ₹100 you spend.

Groceries1.5%
Food delivery & dining1.5%
UPI scan & pay1.5%
Everything else1.5%
Online shopping0.5%
Travel & flights0.5%
Fuel–
Bills & recharges–

Pros

  • Built for UPI, so it works at any QR code
  • Instant digital card
  • Lifetime free

Cons

  • 5% needs paid Neon and ₹1.5L yearly spend
  • Many categories (fuel, rent, utilities) excluded
  • Monthly reward cap tied to credit limit

Is the Kiwi RuPay Credit Card worth it?

The Kiwi RuPay Credit Card is worth it if you spend a lot on groceries (1.5%) and food delivery & dining (1.5%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if 5% needs paid Neon and ₹1.5L yearly spend.

Featured in: Best Lifetime Free Credit Cards in India · Best Credit Cards for UPI Payments (RuPay) · Best First Credit Cards for Beginners

Compare: super.money RuPay vs Kiwi RuPay

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

  1. Tap "Apply now"You'll be taken to the official Kiwi application page.
  2. Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
  3. Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
  4. Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.
Apply now

FAQs about Kiwi RuPay Credit Card

What is the annual fee of the Kiwi RuPay Credit Card?

The Kiwi RuPay Credit Card is lifetime free, with no joining or annual fee.

Can I use the Kiwi RuPay Credit Card on UPI?

Yes. The Kiwi RuPay Credit Card is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.

Does the Kiwi RuPay Credit Card give airport lounge access?

Yes: None (Neon: on milestones). Lounge rules can change, so check current terms with the issuer.

Who should get the Kiwi RuPay Credit Card?

It's best for scan & pay with upi. Lifetime free credit card built for UPI scan & pay.

Alternatives

Similar cards

Kiwi RuPay Credit CardLifetime free · 1.5% on scan & pay
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