Kiwi Credit Card Review (RuPay on UPI)
Kiwi is a popular RuPay-credit-card-on-UPI product managed through the Kiwi app and issued by Yes Bank or AU Small Finance Bank. It pays cashback in “Kiwis” on UPI spends and is lifetime-free. Here is the verified review.
- Lifetime-free RuPay credit card on UPI
- Up to 5% cashback on UPI spends
- Link to any UPI app (PhonePe/GPay/Paytm)
- Neon membership unlocks top rewards + lounges
- Instant virtual card via the Kiwi app
- Top 5% rate needs the paid Neon membership (₹999)
- No rewards on rent or fuel
- Minimum 500 Kiwis to redeem (1 Kiwi = ₹0.25)
- Cashback capped by credit limit
- App-led servicing
Rewards & structure
| Item | Detail |
|---|---|
| Fee | Lifetime-free (Neon membership ₹999 optional) |
| UPI cashback | Up to 5% (20 Kiwis per ₹100; 1 Kiwi = ₹0.25) |
| Issuer | Yes Bank / AU SFB (Axis Kiwi cards still active) |
| Lounge (Neon) | Up to 3/year at ₹50k/₹1L/₹1.5L milestones |
| Excluded | Rent, fuel |
| Redemption | Minimum 500 Kiwis |
Eligibility & documents
Apply via
Kiwi app
Fee
Lifetime-free (Neon optional)
Network
RuPay (UPI-linkable)
Best for
UPI-first cashback users
Recommended CIBIL
~720+
Documents
PAN, Aadhaar (in-app KYC)
Who this card is for
- Best fit: UPI-first spenders who want cashback on scan-and-pay and will use Neon for top rates.
- Skip if: you spend mostly on rent/fuel (excluded) or prefer non-app servicing.
How to apply & how to cancel
Apply: via the Kiwi app (Yes Bank/AU SFB). Cancel: request closure in-app after clearing dues; redeem Kiwis first.
Final verdict
Kiwi is one of the better UPI-credit-card options — lifetime-free, up to 5% cashback on scan-and-pay, and link-to-any-UPI-app convenience. The top rate and lounges hinge on the paid Neon membership, and rent/fuel are excluded; for UPI-first spenders who optimise it, it’s strong value.
Frequently asked questions
Who issues the Kiwi card?
Yes Bank and AU Small Finance Bank (existing Axis Kiwi cards remain active). It’s a RuPay credit card managed via the Kiwi app.
How much cashback does it give?
Up to 5% on UPI spends (up to 20 Kiwis per ₹100; 1 Kiwi = ₹0.25), with the top rate tied to the Neon membership.
Is it free?
The card is lifetime-free; the optional Neon membership (₹999) unlocks top rewards and lounge visits.
What’s excluded?
No rewards on rent or fuel; a minimum of 500 Kiwis is needed to redeem.
Data current as of June 2026, cross-checked against Kiwi and aggregators. Confirm current terms in the Kiwi app before applying.