Available Card Variants
YES BANK Kiwi Credit Card
RuPayVirtual RuPay card issued by YES Bank. Lifetime Free.
AU Kiwi Credit Card
RuPayVirtual RuPay card issued by AU Small Finance Bank. Lifetime Free.
PNB Kiwi Credit Card
RuPayVirtual RuPay card issued by Punjab National Bank. Lifetime Free.
Kiwi Neon Membership
RuPayOptional membership for ₹999 + Taxes. Unlocks 2% to 5% milestone cashback on UPI and airport lounge access.
Card Benefits
Key benefits available with this card.
1.5% Cashback on UPI
Earn 1.5% cashback on eligible Scan and Pay UPI transactions using the standard Lifetime Free Kiwi card.
Kiwi Neon Membership Boost
Upgrade to the Kiwi Neon Membership (₹999 + taxes) to earn 2% base cashback on Scan & Pay, scaling up to 5% upon hitting annual spending milestones.
Online & Non-UPI Spends
Earn 0.5% cashback on online transactions and 2 Reward points for every ₹200 spent on regular offline/non-UPI purchases.
Instant Cash to Bank
All rewards are credited as 'Kiwis'. You can instantly transfer these Kiwis as real cash directly to your linked Savings Account.
Domestic Airport Lounges (Neon)
Neon users receive 1 complimentary airport lounge access each time they hit the annual spend milestones of ₹50k, ₹1 Lakh, and ₹1.5 Lakhs.
100% Digital Issuance
Apply via the Kiwi app and get an instant virtual credit card ready to be linked to UPI.
1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on fuel transactions across all petrol pumps in India.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| UPI Scan & Pay (Standard Card) | 6.0000 points / ₹100 | Earn 1.5% cashback on eligible UPI Scan & Pay transactions via the Kiwi app. |
| UPI Scan & Pay (Neon Member) | 8.0000 points / ₹100 | Earn a base 2% cashback on eligible Scan & Pay transactions with the Neon Membership, scaling up to 5% at higher milestones. |
| Online Transactions | 2.0000 points / ₹100 | Earn 0.5% cashback on online payments (excluding rent, fuel, etc). |
| Non-UPI Spends | 1.0000 points / ₹100 | Earn 2 Reward points for every ₹200 spent on non-UPI retail transactions. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions on rent, wallet loading, EMI conversions, and fuel do not earn cashback. |
Airport Lounge Access
Domestic Airport Lounge
3 visits per year · Domestic
Exclusive to Kiwi Neon Members: 1 complimentary lounge access is unlocked each time the user achieves annual spend milestones of ₹50k, ₹1 Lakh, and ₹1.5 Lakhs.
Fuel Surcharge Waiver
Current Offers & Promotions
Lifetime Free Membership
Active₹0 Joining & Annual Fee
The basic digital card is issued as Lifetime Free with zero joining and annual fees.
Neon Milestone Boost
ActiveUp to 5% Cashback
As a Kiwi Neon user, earn up to 5% cashback and unlock lounge access on an annual spend of ₹50,000 & above on the Kiwi App.
Eligibility Criteria
21 to 60 yrs
Salaried
₹15,000 / month
—
720+
No
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 60 years. Employment: Salaried. Minimum Income: ₹1.8 Lakhs annually (₹15,000/monthly). Credit Score: 720+. Available via YES Bank, AU Bank, and PNB.
Income: Salaried: ₹15,000 per month (₹1.8 Lakhs per annum).
Employment: Salaried professionals only.
Credit Score: Minimum credit score of 720+ required.
Documents Needed
Fees & Charges
₹0
₹0 + GST
Pros
• 100% digital, Lifetime Free RuPay credit card
• Excellent 1.5% cashback on UPI Scan & Pay transactions
• Rewards are instantly transferable to your bank account as cash
• Optional Neon membership boosts UPI cashback up to 5%
• Fuel surcharge waiver across all pumps
Cons
• Base reward rate on non-UPI online and offline spends is quite low (0.5%)
• Airport lounge access is completely locked behind the paid Neon Membership
• Restricted to salaried applicants only