KIWI is a financial company that launched a Lifetime Free Virtual Credit Card named the Kiwi Credit Card. It is offered in collaboration with Axis Bank, Yes Bank, Rupay, and UPI to provide services to its customers.
The credit card allows you to earn up to 5% cashback on UPI spends as it is designed to reward UPI users, making it ideal for those who frequently use UPI for payments. Combining no annual fees with high-value rewards, it’s a smart choice for everyday use.
The card’s advanced security features, including Chip & Pin technology & real-time transaction monitoring, assure users that their financial information is safe and secure. Users can avail of the Kiwi Neon Membership Program Benefits at just a ₹999 annual fee. The card provides cashback on various types of transactions, with 0.5% cashback on online purchases and 2% on Scan & Pay transactions.
Key Highlights of the KIWI Credit Card
| Key Highlights | Joining Fee | Nil |
| Annual Fee | Nil | |
| Best Suited For | UPI payments | |
| Secured transaction | Chip & Pin technology & Real-time transaction monitoring | |
| Credit card network type | RuPay | |
| Best Feature | Lifetime free credit card | |
| Known For | Rewards & cashback | |
| Card Type | Virtual credit card (no physical card required) | |
| Secure Transactions | All transactions secured by the kiwi app, certified by NPCI |
Benefits and Features of Kiwi Credit Card
| Benefits | Details |
|---|---|
| Airport Lounge Access | Kiwi credit card provides complimentary airport lounge access to ensure that your journeys are seamless, exciting & memorable (up to 3 airport lounge access in a year) |
| Eligibility for Kiwis | Customers will become eligible for kiwis (as defined below) from their 1st transaction. The transaction to be undertaken by the customer will be in the multiples of ₹50. |
| Kiwi Rewards | Earn 2 Kiwi rewards – The points that the customers will earn will be known as ‘Kiwis’ – These ‘Kiwis’ can be redeemed into their ‘goaxb’ UPI ID linked account at any time – Each ‘Kiwis’ is currently worth ₹0.25/- |
| Cashback | – Users will earn 2X cashback on all transactions – up to 5% cash back on the spending of ₹1.5 lakh annually – 2% cashback on scan & pay transactions through the app, 0.5% cashback on online transactions through any other app |
| Secured Transactions | The Kiwi Rupay Credit Card provides a secure and convenient payment option. The card’s advanced security features, including Chip & Pin technology and real-time transaction monitoring, give users complete assurance that their financial information is completely safe. |
| Other Features | – Lifetime free card with no hidden charges – No minimum spending requirements – Virtual Credit Card for making UPI payments via QR code – One of the most rewarding UPI Credit Card |
Kiwi Neon Membership Program Benefits
The Kiwi Neon is an annual subscription program currently available only for select users that allows multiple benefits when the customer uses the Kiwi app for UPI transactions. The annual Fee of the Kiwi Neon subscription is kept at ₹999. Offer details are as below:
For credit cards issued via the Kiwi app:
– 5% cashback on spends of Rs. 1,50,000 on this credit card:
- Base Earn: 0.5% cashback on collect+ intent; 2% cashback on scan & pay on large merchants
- Milestone 1: 3% cashback on achieving eligible spends of ₹50,000 (incl. Base) + 1 lounge access
- Milestone 2: 4% cashback on achieving eligible spends of ₹1,00,000 (incl. Base) + 1 lounge access
- Milestone 3: 5% cashback on achieving eligible spends of ₹1,50,000 (incl. Base) + 1 lounge access
- Users have to subscribe to the Kiwi Neon program for offer to apply. Else, customers will earn rewards as per the regular Kiwi rewards program
- Kiwi reserves the right to waive the fees as determined from time to time, and upon Kiwi’s discretion.
- Milestone spending will be calculated from the date of enrollment to the Kiwi Neon program
- Reward points will be credited after 30 days, on the last day of the subsequent month.
- User is required to accumulate at least 500 Kiwis before redemption, across all rewards program
- Subscription to the Kiwi Neon Program is completely voluntary. Users who choose not to subscribe to the program will continue to earn rewards as per the regular Kiwi rewards program.
– “Kiwis” on spends
- “Kiwis” are earned on the spending of every ₹50 on this card, i.e., “Kiwis” are calculated on multipliers of ₹50. For illustration, on 2% cashback:
- Transaction of ₹ 75/: 4 “Kiwis” earned
- Transaction of ₹ 100/: 8 “Kiwis” earned
- Transaction of ₹ 175/: 12 “Kiwis” earned
- Every month, customers can earn a maximum of Kiwis equivalent to 1% of the total credit limit on the Kiwi partner credit card
- The above mentioned cap on Kiwi rewards will be reset at the start of every month
Fee and Charges of Kiwi credit card
| Types of Charges | Amount |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Interest Rate/ Finance Charge (Overdue) | 3.6% of a monthly rate 52.86%, annual rate |
| Interest Rate/ Finance Charge (Cash Advance) | 3.6%, monthly rate, and 52.86%, annual rate |
| Late Payment Fee | For statement balance- Charges Balance up to Nil– Up to ₹ 500 ₹500– b/w ₹ 501 – ₹ 5,000 ₹750– b/w ₹ 5,001 – ₹ 10,000 ₹1200– Above ₹ 10,000 |
Eligibility Criteria for Kiwi Credit Card
To be eligible for the Kiwi Credit Card, applicants must meet certain criteria as mentioned below:
| Criteria | Details |
| Age | 25 to 60 years |
| Nationality | Must be Indian |
| Required income | Minimum ₹3 lakh (annually) |
| Occupation | Salaried only |
| CIBIL score | 720+ |
Required Documents
To apply for a Kiwi credit card, the applicant will need to provide the following documents:
Identity proof: A copy of your PAN card or Form 60, or a passport, driving license, voter ID card, or Aadhaar card
Income proof: A recent pay slip, Form 16, or ITR copy
Residence proof: A passport, driving license, voter ID card, or Aadhaar card
How to Avail Kiwi Credit Card
Step 1) Download the Kiwi app for a Rupay Credit Card on the UPI app of your mobile phone.
Step 2) Click on ‘Login’ & provide your registered mobile number (RMN).
Step 3) A one-time password (OTP) will be sent to your mobile number. Enter the OTP.
Step 4) Remember that you will get a waitlist ID.
Step 5) Once the customer has logged in, then he can apply for a virtual Kiwi Credit Card.
FAQs
As per the RBI regulation, only Rupay credit cards are allowed to be linked to UPI for making payments across the UPI ecosystem.
Yes, all data is completely safe with Kiwi. We use the best standards to keep your data safe. We have partnered with the best institutions in the country, like Axis Bank, NPCI, and Experian, to enhance user experience and security.
The Kiwi Rewards program is a feature that awards points called “Kiwi” for using your Axis Bank Quick Credit Card issued by Kiwi. Each Kiwi is worth Rs 0.25 and can be redeemed into your linked GoaXB UPI ID account without any time constraint. There is a monthly limit on the Kiwi you can earn (see Terms for details). You may not receive Kiwi if a user’s transactions fail, fall into excluded categories, or have reached the monthly limit.
Yes, you can set a limit on the amount you wish to spend using your Kiwi Credit Card through the Kiwi app.
Yes, the Kiwi app is certified by NPCI.
You can enjoy lounge access after reaching spending milestones of ₹50k, ₹1L, and ₹1.5L in a year.
