Yes Bank / PNB / AU Bank · RuPay
Kiwi RuPay
A lifetime-free UPI-first RuPay card with 1.5% base cashback and optional Kiwi Neon milestones that can unlock up to 5%.
- UPI
- Cashback
- Lifetime free
- Earn 6 Kiwis per Rs 100 on eligible UPI spends, worth 1.5% as statement-credit value.
- Optional Neon costs Rs 999/year and can lift eligible UPI cashback to 3%, 4% or 5% as annual UPI milestones are crossed.
- Fee
- 0 Joining Fee 0 Annual Fee
- UPI
- 1.5% base
- Neon
- Up to 5%
At a glance
Kiwi RuPay highlights
- Fee
- Lifetime Free Card
- Neon
- Up to 5% cashback on UPI transactions with Neon Membership
- Lounge
- Up to 3 domestic lounge visits with Neon milestones
- Issuers
- Yes Bank, PNB or AU Bank for new cards
Kiwi RuPay: fees & key facts
| Joining fee | Nil for the base card |
|---|---|
| Annual fee | Nil for the base card; optional Kiwi Neon subscription costs Rs 999/year |
| Current issuers | New applications may be issued through Yes Bank, PNB or AU Small Finance Bank depending on location and credit profile; existing Axis Bank Kiwi cards remain active. |
| Eligibility | CIBIL score of 750+ and age 21-60 years |
| Base rewards | Earn 6 Kiwis per Rs 100 on eligible UPI transactions; 1 Kiwi = Rs 0.25 as statement-credit value, giving 1.5% effective cashback |
| Base cashback cap | Cashback is limited to 1% of the total credit limit in a month |
| Neon subscription | Optional Rs 999/year programme with 2% base cashback on eligible UPI spends |
| Neon milestones | Rs 50,000 annual UPI spend unlocks 3% cashback and 1 lounge access; Rs 1,00,000 unlocks 4% and 1 access; Rs 1,50,000+ unlocks 5% and 1 access |
| Lounge access | Standard card has no lounge access; Neon members can unlock up to 3 domestic lounge visits per year through milestones |
| Redemption | Minimum 500 Kiwis, worth Rs 125, required for redemption; redemptions happen in multiples of 500 |
| Exclusions | No rewards on categories such as telecom, utilities, jewelry, fuel, rent, insurance, education and government services |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
Kiwi RuPay is a UPI-first cashback card. The base card is lifetime free, with a standard earn rate of 6 Kiwis per Rs 100 on eligible UPI spends, equal to 1.5% cashback value.
The optional Kiwi Neon subscription is the reason the card gets interesting. At Rs 999/year, Neon starts at 2% on eligible UPI spends and can move to 3%, 4% and 5% as annual UPI milestones are crossed.
It is best for people who already use UPI for daily payments and can push at least Rs 50,000 a year through eligible Scan & Pay. The real upside appears at Rs 1.5 lakh or more in annual eligible UPI spends, where cashback reaches 5% and delivers strong net value after the Neon fee.
Kiwi RuPay FAQs
Is the Kiwi RuPay Credit Card lifetime free?
Yes. The base Kiwi RuPay Credit Card is lifetime free with no joining fee and no annual fee. The optional Kiwi Neon rewards programme costs Rs 999/year.
How much cashback does Kiwi RuPay earn without Neon?
The base card earns 6 Kiwis per Rs 100 on eligible UPI spends. Since 1 Kiwi is listed as Rs 0.25, that works out to 1.5% effective cashback, subject to category exclusions and the monthly cap.
How does Kiwi Neon reach 5% cashback?
Neon starts at 2% cashback on eligible UPI spends. Annual UPI milestones increase the rate: Rs 50,000 unlocks 3%, Rs 1,00,000 unlocks 4%, and Rs 1,50,000 or more unlocks 5%. Milestone cashback applies retroactively to eligible transactions after the milestone is reached.
Does Kiwi RuPay include lounge access?
The standard card has no lounge access. Kiwi Neon members can unlock 1 domestic lounge access at each milestone of Rs 50,000, Rs 1,00,000 and Rs 1,50,000 annual UPI spend, for up to 3 visits per year.
Can Kiwi RuPay be linked to Google Pay or PhonePe?
Yes. Since it is a RuPay credit card, it can be linked to UPI apps like PhonePe, Google Pay and Paytm. For maximum cashback, use Kiwi App Scan & Pay transactions.
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