Kiwi UPI RuPay Credit Card 2026: 1.5% Cashback on UPI Scan & Pay (Lifetime Free)
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Lifetime free Kiwi RuPay credit card 2026: earn 1.5% cashback on UPI Scan & Pay, paid to your bank. Check rates, monthly cap, Neon upgrade & how to apply now!
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Card type | Virtual RuPay credit card, issued in the Kiwi app |
| Fees | ₹0 joining, ₹0 annual |
| UPI Scan & Pay | 1.5% cashback (6 Kiwis per ₹100) |
| Online spends | 0.5% cashback (2 Kiwis per ₹100) |
| Reward value | 4 Kiwis = ₹1 |
| Payout | Redeemed to your linked bank account via UPI |
| Min. redemption | 500 Kiwis (₹125), in multiples of 500 |
| Monthly cap | 1% of your credit limit |
| Issuing banks | YES Bank, AU Small Finance Bank or PNB (assigned in app) |
| Optional paid upgrades | Neon and Boost |
Kiwi: 1.5% Cashback on Every UPI Scan & Pay
🎁 Perks: ₹0 fees • Instant virtual card • Cashback paid to your bank
Apply for Kiwi Card →Rewards & Benefits Fact Sheet
🎯 How You Earn
| Spend type | Kiwis per ₹100 | Real cashback |
|---|---|---|
| UPI Scan & Pay (QR) | 6 | 1.5% |
| Online / in-app payments | 2 | 0.5% |
- 4 Kiwis = ₹1, so 1 Kiwi = ₹0.25.
- Cards issued before 4 July 2024 earn 1% on Scan & Pay (4 Kiwis per ₹100).
- Rewards are on full ₹100 blocks only. ₹199 earns on ₹100, and anything under ₹100 earns nothing.
🧮 Real Example
Spend ₹15,000 via Scan & Pay and ₹10,000 online in a month:
- Scan & Pay: 900 Kiwis
- Online: 200 Kiwis
- Total: 1,100 Kiwis = ₹275 per month
🧢 Monthly Earning Cap
Base cashback is capped at 1% of your credit limit each month, and the cap resets on the 1st.
| Your credit limit | Max cashback per month |
|---|---|
| ₹25,000 | ₹250 |
| ₹50,000 | ₹500 |
| ₹1,00,000 | ₹1,000 |
Neon milestone bonuses are outside this cap. A low limit can cut into the example above.
💸 Redeeming Rewards
Minimum 500 Kiwis (₹125), then multiples of 500.- Paid into your linked bank account through the Kiwi UPI ID.
- Refunded transactions have their Kiwis reversed.
⚡ Optional Paid Upgrades
| Free card | Boost | Neon | |
|---|---|---|---|
| Fee | ₹0 | ₹49 + taxes / 3 months | ₹999 + taxes / year |
| Scan & Pay | 1.5% | 1.5% | 2% |
| Online | 0.5% | 1% | 0.5% |
| Extras | None | None | Milestone cashback + lounge passes |
- Both are non-refundable once bought, and Boost does not auto-renew.
- Kiwi offers them only to users it selects or notifies. Neon needs a card issued since 4 July 2024.
Neon milestones (annual spend after you join Neon):
| Annual spend | Total cashback | Extra paid on top of 2% base | Lounge pass |
|---|---|---|---|
| ₹50,000 | 3% = ₹1,500 | ₹500 | 1 |
| ₹1,00,000 | 4% = ₹4,000 | ₹2,000 | 1 |
| ₹1,50,000 | 5% = ₹7,500 | ₹4,500 | 1 |
Milestone cashback is paid on the last day of the month after you hit the milestone.
Is Neon worth it? This assumes all spend is UPI Scan & Pay, and an 18% GST on the fee [confirm GST].
| Annual spend | Free card (1.5%) | Neon after ₹1,179 fee | Neon vs free |
|---|---|---|---|
| ₹50,000 | ₹750 | ₹321 | −₹429 |
| ₹1,00,000 | ₹1,500 | ₹2,821 | +₹1,321 |
| ₹1,50,000 | ₹2,250 | ₹6,321 | +₹4,071 |
So “5%” is the rate before the fee. Neon makes sense only if you reliably spend about ₹1 lakh or more a year.
🛋️ Lounge Access (Neon only)
- The free card has no lounge access.
- Neon unlocks one pass at each milestone, up to 3 a year.
- Scan your boarding pass in the Kiwi app to get an entry QR code.
- Each pass allows 2 hours and is valid for 6 months from unlock. The lounge list is in the app.
🚫 No Rewards On
- Utility, phone and cable bills
- Government, tax, fines and postal payments
- Fuel and petroleum
- Wallet loads, financial institutions, insurance and real estate
- Education, legal and accounting fees
- Jewellery and watch repair
- FASTag, tolls and bridge fees
- Auto dealers, car rentals and repairs
- Gift cards
- Advertising and marketing
- Agriculture and vet services
These also don’t count toward Neon milestones. The full code list is in Kiwi’s Rewards Policy.
🏦 Issuing Banks
- New cards are issued by YES Bank (Klick), AU SFB (KOSMO) or PNB (Kiwi). Kiwi assigns the bank in the app.
- Reward rates are set by Kiwi. Interest, late fees and charges follow the issuing bank’s MITC. [
🎁 Joining Bonus
- New Kiwi users who sign up through a referral code or link get ₹100 (400 Kiwis).
- It is paid after the card is issued and used for a first UPI payment.
- Check here Latest Kiwi Referral Code.
⚠️ Fine Print
- Linking other RuPay cards or bank accounts gives only random “surprise” rewards, capped at 400 Kiwis a month. You must tap them within 30 seconds.
- Surprise rewards are not open to residents of Tamil Nadu, West Bengal, Sikkim and Nagaland.
- EMI-on-UPI spends earn rewards unless a No-Cost or interest-back EMI offer is used.
- Kiwi can change or withdraw rewards without notice.
Required Documents
- PAN card
- Aadhaar linked to your mobile number
- Income proof (salary slips or bank statements, or ITR if self-employed)
- Smartphone for Video KYC
How to Apply
- Install the Kiwi app using the link above.
- Verify your mobile number with an OTP.
- Enter your PAN, date of birth, employment and address details.
- Check your approved limit and assigned bank.
- Complete e-KYC and Video KYC.
- Set up your UPI PIN. Your virtual card is ready for Scan & Pay.
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