Kiwi RuPay Credit Card
Kiwi About This Card
Kiwi RuPay is a lifetime free UPI credit card with 1.5% base cashback on Scan & Pay transactions. The optional Kiwi Neon subscription (Rs 999/year) unlocks up to 5% cashback for heavy UPI spenders. Issued in partnership with Yes Bank.
Pros & Cons
Pros
- Lifetime free with no hidden charges
- 1.5% base cashback on UPI via Scan & Pay
- Works with Google Pay, PhonePe, Paytm and other UPI apps
- Up to 5% cashback achievable with Neon subscription
Cons
- 5% cashback requires Rs 1.5L annual milestone + Rs 999 Neon subscription
- No rewards on telecom, utilities, rent, fuel or insurance
- No lounge access
- Min 500 Kiwis needed for redemption; rewards only in Rs 100 multiples
Fee Details
Reward Structure
Lounge Access
Key Highlights
- Lifetime free — no joining or annual fee
- 1.5% base cashback on UPI transactions
- Up to 5% cashback with Kiwi Neon subscription (Rs 999/year)
- Instant virtual card + physical in 72 hours
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