Kiwi RuPay Credit Card
Fintech credit cards rarely manage to stand out in India’s crowded market, but the Kiwi RuPay Credit Card, issued in partnership with Yes Bank, is an exception.Designed specifically for frequent UPI users, this card rewards everyday payments with up to 5% cashback through its Kiwi Neon subscription.In this detailed...
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Axis Bank
Kiwi RuPay Credit Card
Top source-backed claims
1 Kiwi = ₹0.25 (redeemable as statement credit)
At a 1.5% base cashback, the Kiwi RuPay Card may not sound extraordinary compared to cards like the Snapdeal BoB Credit Card or Tata Neu Infinity HDFC...
💡 Despite these tweaks, the Kiwi RuPay Credit Card remains valuable for users with high monthly UPI volumes (₹1.5L+), especially under the Neon progr...
Fees and waiver
Details; NIL (Lifetime Free); Cashback Rate; The Kiwi RuPay Credit Card is completely Lifetime Free (LTF), making it one of the best no-fee UPI credit...
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 1 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• High quality score (80) based on current website signals.
• No annual fee signal detected from the current dataset.
Good fit if you want
• People who want a no-fee card and a simpler starting point.
Tradeoffs to verify
• This card has limited source coverage in the current dataset.
• bank_name_inferred_from_context
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Rs. 0
Quality score: 80 (High)
Sources used: 1
Details; NIL (Lifetime Free); Cashback Rate; The Kiwi RuPay Credit Card is completely Lifetime Free (LTF), making it one of the best no-fee UPI credit cards in India.
Eligibility & Documentation
To apply for the Kiwi RuPay Credit Card, you must meet the following criteria:; CIBIL Score: 750 or above; Age: 21 to 60 years; Condition: Applicant must not already hold a Kiwi Axis Bank Credit Card or a Yes Bank Credit Card
Documents required
Not available
Rewards
• 1 Kiwi = ₹0.25 (redeemable as statement credit)
• At a 1.5% base cashback, the Kiwi RuPay Card may not sound extraordinary compared to cards like the Snapdeal BoB Credit Card or Tata Neu Infinity HDFC Card, but its real strength lies in the Kiwi Neon Subscription, which...
• 💡 Despite these tweaks, the Kiwi RuPay Credit Card remains valuable for users with high monthly UPI volumes (₹1.5L+), especially under the Neon program.
Benefits
Not available
Features
• Subscription Fee: ₹999/year(Waived for cards issued between July 1, 2024 – March 31, 2025, if subscribed within 15 days of card linking)
• Base Earn Rate: 2% cashback on UPI spends
Lounge Access
Not available
Insurance
Not available
Pros
• Why the Kiwi RuPay Credit Card stands out for UPI-heavy users.
• Lifetime Free (no joining or annual fee).
• Up to 5% cashback on UPI with Kiwi Neon subscription.
• Seamless UPI integration via the Kiwi app.
• Lounge access perks via Neon milestones.
Cons
• What to consider before applying.
• Neon subscription costs ₹999 per year for top-tier rewards.
• No rewards for telecom, utilities, rent, fuel, or insurance payments.
• Rewards only on spends in ₹100 multiples and minimum 500 Kiwis needed for redemption.
• Cashback capped relative to your credit limit.
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