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, AU Small Finance Bank or Punjab National 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
- 1.5% cashback on UPI scan
- & pay (more with Neon)
- Cashback only on UPI payments made through the Kiwi app
- Neon membership unlocks top rewards + lounges
- Instant virtual card via the Kiwi app
- 5% is only a Neon milestone reward (₹999 + GST/year; ₹1.5 lakh yearly spend)
- No rewards on rent or fuel
- Minimum 500 Kiwis to redeem (1 Kiwi = ₹0.25)
- Monthly cashback capped at 1% of credit limit
- App-led servicing
Rewards & structure
| Item | Detail | |
|---|---|---|
| Fee | Lifetime-free (Neon membership ₹999 optional) | |
| UPI cashback | 1.5% scan & pay / 0.5% online; Neon: 2% scan & pay, up to 5% via milestones (1 Kiwi = ₹0.25) | |
| Issuer | YES BANK / AU SFB / PNBLounge (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 / PNB). 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 simple scan-and-pay through the Kiwi app. 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 (Klick), AU Small Finance Bank (Kosmo) and Punjab National Bank. It’s a RuPay credit card managed via the Kiwi app.
How much cashback does it give?
1.5% on UPI scan & pay and 0.5% online (2% scan & pay with Neon, up to 5% via Neon milestones; 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 fuel, rent, utilities, insurance, education, government and other excluded categories; redeem in multiples of 500 Kiwis.
Data current as of October 2026, cross-checked against Kiwi official information. Confirm current terms in the Kiwi app before applying.