KIWI Credit Card
Kiwi offers a UPI-enabled virtual RuPay credit card, known as the Kiwi credit card, to help you make UPI payments to any merchant. It is an instant lifetime free virtual Rupay credit card that can be availed within minutes. The card offers Rs. 100 cashback upon joining, 0.25% cashback on all transactions, 2% cashback on all scan and pay transactions, and lounge access on milestone spends.
Key Highlights of Kiwi Credit Card
| Type of card | Virtual |
| Joining fee | Nil |
| Annual fee | Nil |
| Welcome benefit | Rs. 100 cashback on joining |
| Cashback | 0.5% cashback on all online transactions, 2% cashback on all scan & pay transactions, and 5% cashback on UPI transactions after achieving an annual milestone spends of Rs. 1.5 Lakhs |
| Lounge access | Lounge access at milestones of Rs. 50,000, Rs. 1 Lakh, and Rs. 1.5 Lakhs in yearly spending |
| APR | 52.86% |
Features and Benefits of Kiwi Credit Card
The key features and benefits of Kiwi UPI credit card are explained below:
- Pay with your Kiwi credit card on UPI, get 50-day interest period and earn cashback.
- Kiwi offers UPI-enabled virtual RuPay credit card to make easy and instant UPI payments to any merchant.
- You can get your virtual Rupay credit card within minutes.
- Rs. 100 cashback upon joining.
- 0.5% cashback on all online transactions.
- 2% cashback on all scan and pay transactions.
- 5% cashback on UPI transactions after achieving an annual milestone spends of Rs. 1.5 Lakhs.
- Just link your RuPay card with Kiwi for these exclusive rewards.
- Enjoy 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.
- The card offers convenience of credit and 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.
- Every time you scan your card to pay, you get Kiwis, which can be redeemed whenever you want to get instant cashback in your savings account.
- Pay to your friends, family or anyone via saved contacts, phone number or UPI ID.
- You can keep track of your credit score with just a few clicks.
- Manage your card directly from the app and check your credit card application status online, statements, repay, block your card, and more, all in one place.
- Kiwi app utilizes state-of-the-art encryption and security measures to protect your data.
To know more about Kiwi credit card, read Kiwi credit card reviews online.
Kiwi Credit Card Credit Card Fee & Charges
Following are the Kiwi credit card charges an applicant has to pay:
| Type of Charge | Description |
| Joining fee | Nil |
| Annual fee | Nil |
| Late payment fees | Nil for due amount up to Rs. 500, Rs. 500 for due amount from Rs. 501 to Rs. 5,000, Rs. 750 for due amount from Rs. 5,001 to Rs. 10,000 & Rs. 1,200 for due amount above Rs. 10,000 |
| Interest rate on overdues | 3.6% monthly and 52.86% annually |
| Interest rate on cash advances | 3.6% monthly and 52.86% annually |
You can contact Kiwi Credit Card Customer Care for more details on free and charges.
Documents Required for Kiwi Credit Card
If you want Kiwi credit card apply with the following documents online:
- PAN Card
- Salary Slips (last 3 months)
- Bank Statements (last 6 months)
- Form 16
- ITR
- Passport/ Driving License/ Electricity Bills/ Ration Card/ Telephone Bills
Eligibility Criteria for KIWI Credit Card
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.
How to Apply for a KIWI Credit Card?
Kiwi makes it effortless to apply for a credit card. Just follow the step given below:
- Download the Kiwi Rupay Credit Card on UPI app on your mobile.
- Click on the ‘Login’ tab and provide your registered mobile number.
- Enter the one-time password (OTP) sent to your registered mobile number.
- After that you will get a waitlist ID.
- Once you have logged in, you can easily apply for a virtual Kiwi Credit Card.
How to Use Kiwi Credit Card?
Follow the steps mentioned below to use Kiwi UPI credit card for making payments on UPI:
- Download the Kiwi app.
- Fill in your personal and professional details.
- Complete your KYC verification online or through the app to ensure your identity and information are securely verified.
- Once your KYC is completed and approved, your Kiwi UPI Rupay credit card will be issued and you can start using the same for secure UPI transactions.
FAQs
Yes, Kiwi uses secure servers and reasonable security practices and procedures.
Yes, Kiwi credit card is a lifetime free card with zero joining and annual charges.
The Kiwi app is partnered with Axis Bank, Rupay, and UPI to offer a credit on UPI app.
Kiwi UPI was founded by Siddharth Mehta, Mohit Bedi, and Anup Agrawal.
No, you cannot exchange Kiwi.com credit for a monetary refund except in the following cases:
- If Kiwi.com offers you the choice between a Kiwi.com credit refund or a refund to your original payment method.
- If you are refunded in Kiwi.com credit after the offer expires, you can revert the same to a monetary refund as long as you have not used the credit.
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.
- Pay via UPI.
To increase your Kiwi credit card limit, you can fill out an application form with Kiwibank. You will need to provide information about your household and regular expenses in the application along with any expected changes to your loans, credit cards, and other debts.