The Kiwi RuPay Credit Card, issued in partnership with Yes Bank, is a standout UPI-focused cashback credit card designed for frequent digital payment users. With 1%–10% cashback on UPI spends and zero joining/annual fees, this card is a game-changer for those who prefer UPI transactions.
Key Features at a Glance
| Feature | Details |
|---|---|
| Card Type | RuPay Credit Card (UPI-linked) |
| Joining Fee | LTF (Free for Life) |
| Annual Fee | LTF (Free for Life) |
| Cashback Rate | 1% (base), up to 5% with Neon subscription |
| Network | RuPay |
| Airport Lounge Access | Domestic (with Neon milestones) |
| Eligibility | CIBIL 750+, Age 21–60, No existing Kiwi/Yes Bank card |
| Reward Currency | Kiwis (1 Kiwi = ₹0.25) |
Detailed Review of Kiwi RuPay Credit Card
1. Fees & Charges
✅ No Hidden Costs – A truly lifetime free (LTF) credit card.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 (Free) |
| Annual Fee | ₹0 (Free) |
| Neon Subscription Fee | ₹999/year (Waived for new users until March 2025) |
2. Rewards & Cashback Structure
Base Rewards (Without Neon Subscription)
- 1% Cashback on UPI spends (2 Kiwis per ₹50 spent).
- Exclusions: No rewards on fuel, rent, insurance, govt. payments, telecom, utilities.
Accelerated Rewards (With Neon Subscription – ₹999/year)
| Annual UPI Spend | Cashback Rate | Additional Benefits |
|---|---|---|
| Up to ₹50,000 | 2% | – |
| ₹50,000+ | 3% | 1 Free Lounge Access |
| ₹1,00,000+ | 4% | +1 Lounge Access |
| ₹1,50,000+ | 5% | +1 Lounge Access |
💡 Pro Tip: If you spend ₹1.5L+ annually on UPI, the 5% cashback (₹7,500) far outweighs the ₹999 Neon fee.
3. Eligibility Criteria
| Parameter | Requirement |
|---|---|
| Credit Score | 750+ (CIBIL) |
| Age | 21–60 years |
| Existing Cards | Must not have another Kiwi/Yes Bank credit card |
4. Pros & Cons
✅ Pros
✔ Lifetime Free (LTF) RuPay Credit Card
✔ 5% Cashback on UPI via Neon Subscription
✔ Domestic Lounge Access (With Milestones)
✔ Seamless UPI Payments via Kiwi App
❌ Cons
✖ No Welcome Benefits
✖ Exclusions on Rent, Fuel, Insurance
✖ Neon Fee Required for Best Rewards
5. Comparison with Other UPI Credit Cards
| Feature | Kiwi RuPay Card | Tata Neu Infinity (HDFC) | Snapdeal BoB Card |
|---|---|---|---|
| Joining Fee | Free | Free (LTF on ₹3L+ spends) | Free |
| Cashback on UPI | 1%–5% | 1.5% (NeuCoins) | 1.25% |
| Lounge Access | Yes (with Neon) | Yes | No |
| Best For | Heavy UPI Spenders | Tata Brands Users | Online Shoppers |
6. Should You Get the Kiwi RuPay Credit Card?
🔥 Best For:
- Frequent UPI users who spend ₹50,000+ annually.
- Those looking for a no-fee RuPay credit card.
- Users wanting 5% cashback on UPI transactions.
🚫 Avoid If:
- You mostly spend on fuel, rent, or excluded categories.
- You already have a better UPI cashback card.
Final Verdict: ⭐⭐⭐⭐½ (4.7/5)
The Kiwi RuPay Credit Card is one of the best LTF UPI cashback cards in India. If you maximize the Neon subscription, the 5% cashback makes it unbeatable for UPI spends. Apply now if you’re a high-volume UPI user!
📌 Apply Link: Kiwi RuPay Credit Card
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