KIWI Credit Card
Welcome Benefit
Get ₹500 cashback on joining.
Lifetime free
No Joining and Annual Fees
Cashback
1.5% cashback on UPI transactions & 5%* with Neon Membership
Lounge Access
Get 3 complimentary lounge access annually with Neon Membership
Key Highlights of Kiwi Credit Card
| Feature | Without Neon Membership (Free Card) | With Neon Membership (₹999 + GST/year) |
|---|---|---|
| Joining Fee | ₹0 (Lifetime free) | ₹0 (Same card, Neon is optional add-on) |
| Annual Fee | ₹0 (Lifetime free) | ₹999 + GST/year (Neon membership fee) |
| Welcome Benefit | Up to ₹100 cashback on first eligible transaction (offer-based) | Same welcome benefit + eligibility for milestone rewards |
| Cashback – UPI Payments | 1.5% cashback on UPI Scan & Pay transactions | 2% base cashback + milestone upgrade up to 5% |
| Cashback – Online Spends | 0.5% cashback on online transactions | 0.5% cashback + milestone-based bonus cashback |
| Maximum Cashback Potential | Limited to base cashback rates | Up to 5% cashback after milestone spends |
| Airport Lounge Access | Not available | Up to 3 complimentary domestic lounge visits per year (milestone-based) |
| APR (Interest Rate) | 3.6% per month (~52.86% annually) | Same as base card (membership does not affect APR) |
| Other Benefits | Lifetime free RuPay UPI credit card, instant virtual card, cashback credited to bank account | Higher cashback tiers, milestone rewards, lounge access, exclusive Neon offers |
Features & Benefits of Kiwi Credit Card
The key features and benefits of Kiwi UPI credit card are explained below:
- Unlike traditional credit cards, the Kiwi credit card allows you to pay directly via UPI apps like Google pay, Phonepe, Cred etc.., by scanning any merchant QR code using your credit limit.
- Pay with your Kiwi credit card on UPI, get up to a 50-day interest-free period and earn attractive cashback rewards.
- Kiwi offers a UPI-enabled virtual RuPay credit card that allows easy and instant UPI payments to any merchant.
- Get instant access to a virtual Kiwi credit card immediately after approval and start making payments through UPI without waiting for a physical card.
- You can get approval of your virtual Rupay credit card within minutes and receive your physical card within 72 hours after approval.
- Rs. 100 cashback upon joining.
- 0.5% cashback on all online transactions.
- 1.5% cashback on all scan and pay transactions & get up to 5% cashback for Neon customers.
- Earn higher cashback rewards when you regularly use scan-and-pay through UPI using your Kiwi credit card.
- 5% cashback on UPI transactions after achieving annual milestone spends of Rs. 1.5 Lakhs.
- Enjoy 1 free lounge access at milestones of Rs. 50,000, Rs. 1 Lakh, and Rs. 1.5 Lakhs in yearly spending.
- Kiwi is a lifetime free credit card as it never asks you to pay joining fees or any annual charges.
- Kiwi credit card offers additional discounts with partner brands in food, entertainment, travel & shopping.
- Flipkart: 0.85% cashback on voucher purchases
- Amazon: 0.9% cashback on vouchers
- Zomato: 1% cashback
- JioMart, BigBasket, Uber: 2% cashback
- MakeMyTrip (MMT): 5% cashback
- Domino’s: 10% cashback
- The card offers the convenience of credit and the speed of UPI combined.
- All your credit card payments are just a scan away.
- Whether it is a restaurant or roadside vendor, pay anywhere, anytime using UPI.
- Every time you scan your card to pay, you earn Kiwis that can be redeemed anytime for instant cashback in your savings account.
- Pay to your friends, family, or anyone via saved contacts, phone number or UPI ID, provided it is a merchant account.
- You can keep track of your credit score for free with just a few clicks using the Kiwi mobile app.
- Manage your card directly from the app and check your credit card application status online, statements, repayments, block your card, and more, all in one place.
- The Kiwi app uses advanced encryption and security measures to keep your transactions and personal information safe.
Kiwi Credit Card Fees & Charges (Axis Bank vs Yes Bank vs AU Bank)
Kiwi RuPay Credit Card Fees and Charges Comparison – issued by Axis Bank vs Yes Bank vs AU Small Finance Bank
| Fee Type | Axis Bank | Yes Bank | AU Small Finance Bank |
|---|---|---|---|
| Joining Fee | Nil | Nil | Nil |
| Annual Fee | Nil (Lifetime Free) | Nil (Lifetime Free) | Nil (Lifetime Free) |
| Late Payment Charges | |||
| Below ₹100 | ₹0 | ₹0 | ₹0 |
| ₹101 to ₹500 | ₹0 | ₹150 | ₹100 |
| ₹501 to ₹5,000 | ₹500 | ₹500 | ₹700 |
| ₹5,001 to ₹10,000 | ₹750 | — | — |
| ₹5,001 to ₹25,000 | — | ₹750 | ₹800 |
| ₹25,001 to ₹50,000 | — | ₹1,100 | ₹1,100 |
| Above ₹50,000 | ₹1,200 | ₹1,200 | ₹1,300 |
| Interest Rate (Overdues) | |||
| Monthly Interest Rate | 3.75% | 3.99% | 3.75% |
| Annual Interest Rate | 55.55% | 47.88% | Not disclosed |
| Interest Rate (Cash Advance) | |||
| Monthly Interest Rate | 3.75% | Not disclosed | 3.75% |
KIWI Credit Card Eligibility Criteria
You will need to meet the following basi Kiwi credit card eligibility to be eligible for the card:
| Age | 25 - 60 years |
| Income | Minimum Rs. 25,000 per month |
| Occupation | Salaried/ Self-employed |
| Credit score | Minimum 720 |
The criteria mentioned above are only indicative. The bank reserves the right to approve or reject applications for credit cards.
Documents Required for Kiwi Credit Card
Kiwi credit card,is mostly digital and usually no physical documents are required if you already have an existing credit history.
During the Video KYC (VKYC) with the bank, you will only need to show your original physical PAN Card for verification.
In some cases, the bank may ask for the following documents online:
- PAN Card
- Salary Slips (last 3 months)
- Bank Statements (last 6 months)
- Form 16
- ITR
- Passport / Driving License / Electricity Bill / Ration Card / Telephone Bill (Address Proof)
Kiwi credit card neon rewards cashback and milestone benefits
| Milestone | Total Spend | Cashback Earned | Lounge Access | Total Rewards | Effective Value |
|---|---|---|---|---|---|
| Milestone 1 | ₹50,000 | ₹1,500 | 1 Lounge Access | ₹3,300 | 6.6% |
| Milestone 2 | ₹1,00,000 | ₹4,000 | 2 Lounge Access | ₹7,600 | 7.6% |
| Milestone 3 | ₹1,50,000 | ₹7,500 | 3 Lounge Access | ₹12,900 | 8.6% |
Cashback Breakdown
| Spend Type | Cashback |
|---|---|
| Online Transactions | 0.5% |
| UPI Scan & Pay | 2% |
| Milestone Cashback | Up to 5% with Kiwi Neon Rewards (Paid Membership: ₹999 + GST/year) |
Note: Cashback earned through the Kiwi Credit Card can be directly transferred to your bank account, making redemption simple and convenient.
How to Apply for a KIWI Credit Card
Kiwi makes it effortless to apply for a credit card. Just follow the steps given below:
MyMoneyMantra is an official partner of Kiwi Credit Card. Use the above secure link to apply seamlessly on the Kiwi platform.
- Click on the apply button and enter your registered mobile number.
- Verify your number using the one-time password (OTP).
- Complete the required details and proceed with the application.
- After verification, you will receive your application status or waitlist ID.
- Once approved, you can start using your virtual Kiwi RuPay Credit Card on UPI instantly.
How to Use Kiwi Credit Card?
Once you have applied and your virtual Kiwi Credit Card is approved, you can start using it instantly through the Kiwi app.
- Download and open the Kiwi app using your registered mobile number.
- Your approved virtual RuPay Kiwi Credit Card will be visible in the app.
- Link the credit card to UPI within the app to enable payments.
- To make a payment, simply open the app and tap the Scan button to scan any merchant QR code.
- Complete your first transaction with an eligible merchant and pay directly using your credit card limit.
- You will also receive a virtual UPI ID linked to your Kiwi credit card for making payments across other apps and websites.
The Kiwi Credit Card allows you to make both online and offline payments by scanning merchant QR codes or using your UPI ID.
Why Choose Kiwi Credit Card for UPI Payments?
Kiwi Credit Card is a lifetime free RuPay-powered UPI credit card that lets users make seamless Scan & Pay payments using UPI QR codes. Users can pay directly through the Kiwi app or popular UPI apps like Google Pay, PhonePe, and Paytm. Unlike traditional credit cards, the Kiwi card allows UPI payments using a credit limit at millions of merchants across India, while also offering upto 5% cashback rewards and milestone benefits on eligible transactions.
How to Get Maximum Cashback from Your Kiwi Credit Card?
To unlock the full earning potential of your Kiwi Credit Card, make all your UPI payments through the Kiwi app and upgrade to the Kiwi Neon membership. This allows you to earn up to 5% cashback on eligible spends, compared to a base rate of just 1.5% without membership.
Smart Ways to Maximize Your Kiwi Rewards
- Upgrade to Neon Membership: Increase your cashback earning rate significantly on UPI spends.
- Pay via Kiwi App Only: Ensure all QR and UPI payments are made through the Kiwi app for eligibility.
- Prioritize Daily Spends: Use the card for groceries, bills, cabs, and online payments to accumulate rewards faster.
- Plan High-Value Transactions Early: Maximize cashback potential within monthly limits.
- Unlock Milestone Benefits: Higher spends can help you qualify for additional perks like airport lounge access.
Note: Rewards are credited as Kiwis, where 1 Kiwi = ₹0.25.
Example: Cashback Difference with vs Without Neon
| Monthly Spend (Amit) | With Neon Membership | Without Membership | Extra Cashback Earned |
|---|---|---|---|
| ₹50,000 | ₹2,500 | ₹750 | ₹1,750 more |
| ₹1,00,000 | ₹5,000 | ₹1,500 | ₹3,500 more |
| ₹1,50,000 | ₹7,500 | ₹2,250 | ₹5,250 more |
| ₹2,00,000 | ₹8,500 (5% up to ₹1.5L + 2% thereafter) | ₹3,000 | ₹5,500 more |
As illustrated above, opting for the Neon membership can significantly boost your monthly savings, especially if you frequently use UPI for everyday payments.
Kiwi Credit Card vs other Rupay (UPI) credit cards
| Feature | Kiwi Credit Card | Typical RuPay Credit Card |
|---|---|---|
| Primary Use | Designed for UPI Scan & Pay transactions | Primarily used for POS and online card payments |
| UPI Cashback | Up to 5% cashback with Neon membership | Usually limited or no cashback on UPI payments |
| Rewards System | Milestone-based cashback and 3 Free lounge access | Reward points that need redemption |
| Card Type | Instant virtual credit card issued through Kiwi app | Usually a physical card issued by banks |
| Reward Redemption | Cashback can be directly transferred to your bank account | Rewards redeemed as points, vouchers, or catalog items |
| Activation | 100% digital onboarding and instant activation | Requires bank approval and card delivery |
| Annual Benefits | Save more than ₹15,000/yr* | ₹6000/yr* |
FAQs
Kiwi UPI Credit Card is a digital RuPay credit card that lets you make UPI payments directly from your credit limit using apps like Google Pay, PhonePe, and Paytm. It’s a lifetime free card that offers quick digital activation, up to 5% cashback on UPI spends, and a credit limit up to ₹5 lakh. It’s ideal for users who want the benefits of a credit card with the convenience of UPI payments.
Yes, the Kiwi credit card is safe to use. it's a trusted platform and more than 3Million customers are trusting the. Kiwi app uses advanced encryption and security protocols to protect user data and transactions. Additionally, payments are processed through secure banking partners and follow RBI-compliant security standards.
Yes, Kiwi credit card is a lifetime free card with zero joining fee and zero annual fee.
No, you generally cannot withdraw cash from an ATM using a Kiwi credit card because it is a virtual credit card. Virtual RuPay cards are primarily designed for online transactions, e-commerce payments, and UPI-based merchant payments. Since they do not have a physical card or ATM PIN by default, they typically cannot be used for ATM cash withdrawals.
Kiwi Credit card is partnered with Axis Bank, Yes Bank & AU small finance bank.
To make your Kiwi credit card bill payment, you can:
- Log in to the Kiwi app and click on your card to view the card details
- Then, click on ‘Clear Dues’ under the ‘Bills & Repayment’ section and chance to win 100 kiwis.
- You can also pay UPI from Kiwi APP & other apps Like Gpay, Cred, Phonepe, Paytm etc..
To increase your Kiwi credit card limit, you should consistently pay your bills in full, maintain a low credit utilization ratio (ideally below 30%), and keep your income information updated in the app. Requests are typically reviewed after about 6 months of responsible usage, and maintaining a high credit score is key to approval. The bank may also offer a pre-approved limit enhancement through the Kiwi app, or you can request an increase by contacting the card issuer if eligible.
Kiwi credit card currently does not offer a balance transfer facility, which means you cannot transfer the outstanding balance from another credit card directly to your Kiwi card to repay it at a lower interest rate. However, Kiwi may provide an alternative option through the app where eligible users can check if they are pre-approved for a personal loan against their credit card. If available, you can apply for this loan directly within the Kiwi app and use the funds to clear your existing credit card dues. In many cases, this can be a more cost-effective option because personal loans against credit cards may come with interest rates that are significantly lower than typical credit card interest rates, which often range around 3%–3.5% per month. By converting your outstanding balance into a personal loan with structured EMIs, you can reduce your interest burden and manage your repayments more efficiently while saving money compared to continuing with high credit card interest charges.
You can apply for a Kiwi credit card directly through this page. Simply click on the Apply Now button and continue your application journey on the official Kiwi page. As an official partner, we redirect you to the Kiwi platform where you can complete the application, verify your details through KYC, and if approved, receive a virtual RuPay credit card that can be instantly linked to UPI for making payments.