Kiwi RuPay Credit Card
Updated on August 30, 2026
🎖️Reward Rate
Scan and Pay UPI: 1.5% cashback on merchant UPI payments
Overview
The Kiwi RuPay Credit Card is a lifetime-free card built for UPI, with cashback on merchant scan-and-pay payments through the Kiwi app.
Rewards
Reward Type
Cashback
Reward Rate
- • Scan and Pay UPI: 1.5% cashback on merchant UPI payments
- • Online Spends: 0.5% cashback
- • Exclusions: No cashback on person-to-person transfers, wallet loads, fuel, cash, rent or government
Redemption
Kiwi App: Cashback is earned as Kiwis and transferred to your bank account
Benefits
- UPI on Credit: Use the RuPay card to pay any merchant QR code through UPI apps
- Fuel Surcharge Waiver: 1% on ₹400 to ₹5,000, up to ₹250 a month
Things to Know Before you apply
Kiwi RuPay Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 2.75% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
Fee waiver: Lifetime free. No joining or annual fee.
PaisaSimple Review
Overall Rating
3.4/5What do we like about this card?
Rated 3.4 out of 5. The Kiwi RuPay Credit Card scores well for no fees, 1.5% cashback on UPI Scan and Pay that is transferred to your bank account and a RuPay card that works on any merchant QR code. It loses marks because online card spends earn only 0.5% and there is no airport lounge access.
Pros
- • No Fees: Lifetime free
- • UPI Cashback: On merchant scan-and-pay
- • Digital: Fully digital card
- • Bank Credit: Cashback goes to your bank account
Cons
- • UPI Focus: Lower cashback on non-UPI spends
- • Partner Bank Terms: Fees and limits depend on the issuing bank
- • No Airport Lounges: Not included as standard
Frequently Asked Questions
What is the joining and annual fee of the Kiwi RuPay Credit Card?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the Kiwi RuPay Credit Card give?
Scan and Pay UPI: 1.5% cashback on merchant UPI payments. Online Spends: 0.5% cashback. Exclusions: No cashback on person-to-person transfers, wallet loads, fuel, cash, rent or government.
How do I redeem the rewards on the Kiwi RuPay Credit Card?
Kiwi App: Cashback is earned as Kiwis and transferred to your bank account.
Does the Kiwi RuPay Credit Card give airport lounge access?
No. Not included as standard.
What is the forex markup on the Kiwi RuPay Credit Card?
The forex markup is 2.75% of the amount spent in a foreign currency.
Who can apply for the Kiwi RuPay Credit Card?
Applicants should be 21 to 65 years old. Open to salaried and self-employed individuals. You must be a resident Indian.
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₹499
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₹499
- • 499 NeuCoins (equal to the first-year fee) on your first transaction within 30 days. Not for lifetime-free or first-year-free cards.
- • Scan and Pay UPI: 1.5% cashback on merchant UPI payments
- • Online Spends: 0.5% cashback
- • Exclusions: No cashback on person-to-person transfers, wallet loads, fuel, cash, rent or government
- • Top 2 Categories: 5X reward points on your top 2 spend categories each month
- • Other Spends: 1 reward point per ₹50
- • Exclusions: No points on fuel, wallet loads, cash, rent or government
- • Tata Neu and Partner Tata Brands: 2% back as NeuCoins on non-EMI spends
- • NeuPass Bonus: Extra 5% NeuCoins on select categories on the Tata Neu app or website
- • Other Spends: 1% back as NeuCoins, including merchant EMI
- • UPI: Up to 1% back, capped at 500 NeuCoins a month
- • Caps: 1,000 NeuCoins a month on grocery and 2,000 a month each on utilities, telecom and insurance
- • Exclusions: No NeuCoins on fuel, wallet, rent, government or online gaming
- • No Fees: Lifetime free
- • UPI Cashback: On merchant scan-and-pay
- • Digital: Fully digital card
- • Bank Credit: Cashback goes to your bank account
- • No Fees: Lifetime free
- • Auto Bonus: 5X on your top 2 categories
- • No Expiry: Points never expire
- • App Controls: Full control in the app
- • Tata Rewards: 2% back plus up to 5% extra with NeuPass
- • Low Fee: ₹499, waived at ₹1 lakh spend
- • UPI Rewards: Up to 1% back on UPI
- • Welcome Bonus: 499 NeuCoins
- • UPI Focus: Lower cashback on non-UPI spends
- • Partner Bank Terms: Fees and limits depend on the issuing bank
- • No Airport Lounges: Not included as standard
- • App Only: Redemption and controls are app-based
- • Many Exclusions: No points on fuel, rent and wallets
- • Partner Banks: Terms depend on the issuing partner bank
- • Limited Redemption: NeuCoins work only within Tata brands
- • Many Caps: Monthly limits on grocery, utility, UPI and insurance NeuCoins
- • Lounge Condition: Needs ₹50,000 quarterly spend
- • Forex: 3.5% markup