UPI cashback
Kiwi RuPay Credit Card
A lifetime-free RuPay credit card used through the Kiwi UPI app: 1.5% back on scan-and-pay and 0.5% on online payments.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top reward1.5% on scan and pay
LoungeNone
Forex markup3.5%
Best for: People who pay at shops by UPI QR and want a free credit card that rewards it.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Scan and pay in the Kiwi app | 1.5% (6 Kiwis per ₹100) | 1% of your credit limit a month |
| Other online payments in the Kiwi app | 0.5% (1% with paid Boost) | Same monthly cap |
| UPI through other apps | Nothing | – |
| Fuel, utilities, rent, wallet, insurance, education, government, tolls, gift cards, jewellery | Nothing | – |
- 1 Kiwi = ₹0.25, redeemed as cash to your bank account (minimum 500 Kiwis).
- Kiwis are earned only on whole ₹100 amounts.
- Optional Neon plan (₹999 + GST a year, select users) raises scan-and-pay to 2% to 5%.
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- None on the free plan.
Travel and lounges
- No lounge access on the free plan.
Fuel and forex
- 1% fuel surcharge waiver, up to ₹250 a cycle (not on UPI fuel payments).
- Forex markup 3.5%.
Other perks
- Instant digital card in the app
- Issued by YES Bank, AU Small Finance Bank or PNB, decided by Kiwi
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.99% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 22 to 55
- Salaried or self-employed
- PAN and Aadhaar
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- Cashback on everyday UPI scan and pay
- Easy app-based approval
Watch out for
- Rewards only through the Kiwi app
- Monthly cap tied to credit limit
- No travel perks
Recent changes
- 29 Jun 2026Kiwi Boost add-on introduced for 1% on online payments.
- 15 Jun 2026Forex markup raised from 2.75% to 3.5%.
- 23 Apr 2026PNB added as an issuing bank.
Frequently asked questions
Which bank issues the Kiwi card?
Kiwi assigns YES Bank, AU Small Finance Bank or PNB based on your profile.
Ready to apply for the Kiwi RuPay Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.