Kiwi Credit Cards

Kiwi is a RuPay credit card that lives inside the Kiwi app and works on UPI, so you can pay at any shop QR code on credit. On the free plan, UPI scan and pay earns 1.5% back as Kiwis, while other online spends earn about 0.5%, which blends to roughly 1% overall.

There is no joining or annual fee, so the card costs nothing to keep. You also get one domestic lounge visit each time your yearly spend crosses Rs 50,000, Rs 1 lakh and Rs 1.5 lakh.

It suits first-time users who pay mostly through UPI and want a free card to start a credit history. The catch is that the advertised rates up to 5% need the paid Kiwi Neon plan at Rs 999 a year plus spend milestones, and the forex fee is 3.5%.

Best for: First-time credit card users, People who pay mostly by UPI QR codes, Anyone wanting a free card to build a credit score.

01Kiwi Credit Cards Rewards and Benefits

Rewards rate

1% base, up to 1.5% on UPI payments

Reward redemption

Bank transfer

Dining

1% back (the normal rate)

Travel

1% back (the normal rate)

Golf

Not included

Domestic lounge

Not included

International lounge

Not included

Insurance benefits

Not included

02Kiwi Credit Cards Annual Fee and Charges

Joining fee

Lifetime free

Annual fee

Lifetime free

Spend-based waiver

None

Rewards redemption fee

Nil

Forex markup

3.5%

Interest rate

3.99% a month (47.88% a year)

Fuel surcharge waiver

No

Card replacement

Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

• ₹5,000 on upi payments (scan and pay), earning 1.5%₹75
• ₹15,000 on everything else, earning 1%₹150
• Back each month, ₹2,700 a year₹225
• In your pocket each year₹2,700

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

04Product Details

• Lifetime free, no joining or annual fee
• RuPay card that works on UPI scan and pay
• 1.5% back on UPI scan and pay on the free plan
• About 0.5% back on other online spends
• 1 domestic lounge visit each at ₹50,000, ₹1 lakh and ₹1.5 lakh yearly spend
• 1% fuel surcharge waiver, up to ₹250
• 3.5% forex markup

05Pros and Cons

06How Kiwi Credit Cards earns Rewards

1% base, up to 1.5% on UPI payments.

Terms on the base rate. 1.5% on scan-and-pay in the Kiwi app (6 Kiwis/₹100 at ₹0.25), 0.5% online, ~1% blended (modelled); only Kiwi-app payments earn. Monthly Kiwis capped at 1% of your credit limit. Paid tiers for select users, Neon ₹999+GST a year (up to 5% on milestones) and Boost ₹49+GST/quarter (1% online)

07Kiwi Credit Cards Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip

08Kiwi Credit Cards Eligibility and Documents

• Age: 18 to 65 years
• Min. income: ₹15,000 a month
• Employment: Salaried · Self-employed

Age

22 to 55 years

Employment

Salaried or self-employed

Credit score

720 and above

Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)

Not sure your score clears 720? See which cards fit your credit score.

09Recent Changes

What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.

See this card's change history → · All card changes in June 2026 →

10Cards Similar to Kiwi Credit Cards

Kiwi Credit Cards is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Kiwi Credit Cards	HSBC Live Plus Credit Card	SBI Cashback Credit Card
Joining fee	Lifetime free	₹999 + GST	₹999 + GST
Annual fee	Lifetime free	₹999 + GST	₹999 + GST
Rewards	1% base, up to 1.5% on UPI payments	1.5% base, up to 10% on dining	1% base, up to 5% on online shopping
Domestic lounge	Not included	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Cashback	Dining	Shopping

11Explore More