Ultimate Guide to the Kiwi RuPay Credit Card: Benefits, Features, and How to Apply

Posted by  Fintra , updated 2026-09-09

Welcome to Fintra’s ultimate guide to the Kiwi RuPay Credit Card! In this comprehensive article, we'll delve into the benefits, features, and step-by-step process of how to apply for this popular Kiwi RuPay Credit Card, which is the most Rewarding UPI Credit Card. Kiwi is leading the digital payment revolution in India by offering an innovative solution that combines the convenience of UPI with the benefits of a rewards-based credit card. This platform allows eligible users to earn rewards on qualifying UPI transactions completed through the Kiwi app, subject to exclusions, reward caps and applicable terms, thereby enhancing the overall transaction experience. Kiwi promotes lifetime-free RuPay credit-card options with no joining or annual card fee, subject to the partner-bank card offered during application. The optional Kiwi Neon membership is separately priced at Rs. 999 plus applicable taxes per year.

So, whether you're new to credit cards or an experienced user, join us as we explore the world of the Kiwi RuPay Credit Card. Discover how you can make the most of its features and unlock a world of convenience and perks. Let's get started!

Before we get started, do bear in mind that Kiwi is a UPI-focused fintech platform through which eligible users can apply for RuPay credit cards issued by participating partner banks, including banks displayed on Kiwi’s application platform. The exact issuer, card variant, credit limit, eligibility criteria and bank-level charges offered to an applicant may vary. Kiwi also provides its own rewards programme and an optional paid membership called Kiwi Neon.

Benefits of the Kiwi RuPay Credit Card

The Kiwi RuPay Credit Card offers a comprehensive suite of benefits that cater to the diverse needs of our customers. One of the standout advantages of this card is its seamless integration with online transactions. Whether you're shopping on e-commerce platforms, booking travel arrangements, or making utility payments, the Kiwi RuPay Credit Card provides a secure and convenient payment option. Transactions are protected through applicable UPI authentication, card-security controls and the issuing bank’s fraud-monitoring systems, helping protect your financial information.

Another significant benefit of the Kiwi RuPay Credit Card is its attractive reward program. Kiwi provides rewards called “Kiwis” on eligible transactions completed through its platform. One Kiwi is currently worth Rs. 0.25 and can be redeemed into the eligible linked UPI account, subject to the minimum redemption requirement. A customer must accumulate at least 500 Kiwis before redemption, and Kiwis can be redeemed only in multiples of 500. Since 1 Kiwi equals Rs. 0.25, 500 Kiwis equal Rs. 125. Kiwi may also provide limited-period merchant, travel and entertainment offers through its app. This reward system not only incentivizes your spending but also allows you to enjoy the fruits of your financial responsibility.

Eligible Kiwi Neon members can unlock airport-lounge passes after reaching specified annual-spend milestones. International acceptance, foreign-exchange markup, cash-withdrawal charges and other card-level terms depend on the partner bank and card variant offered to the applicant.

Features and Rewards of the Kiwi RuPay Credit Card

Eligible transactions completed through Kiwi may earn cashback according to the applicable reward programme. Rewards are calculated in complete Rs. 100 transaction multiples for qualifying Kiwi-issued cards, while excluded merchant categories and refunded transactions do not earn rewards. Kiwi RuPay Credit Card boasts an impressive array of features and rewards that cater to the diverse needs of our customers. One of the standout features of this card is its versatility in terms of payment options. With the ability to make both online and offline transactions, the Kiwi RuPay Credit Card provides a convenient and secure way to manage your finances.

Another key feature of the Kiwi RuPay Credit Card is its reward program, which offers a generous earn rate on all eligible transactions completed through the Kiwi app. For qualifying cards issued through Kiwi, rewards are calculated on complete multiples of Rs. 100. Excluded merchant categories and refunded transactions do not qualify for rewards. This reward system not only incentivizes your spending but also allows you to enjoy the benefits of your financial responsibility.

Glimpse of the features and rewards include the following:

Key features of Kiwi RuPay credit cards

• Lifetime-free RuPay credit-card options, subject to the partner-bank card offered during application.
• Link the eligible RuPay credit card with UPI for merchant payments.
• Earn 1.5% cashback on eligible Scan & Pay transactions through Kiwi under the regular rewards programme.
• Earn 0.5% cashback on eligible online transactions completed through the Kiwi app.
• Optional Kiwi Neon membership at Rs. 999 plus applicable taxes annually.
• Neon members can earn 2% cashback on eligible Scan & Pay transactions.
• Neon milestone benefits can increase the effective annual cashback to 3%, 4% or 5% after eligible spends of Rs. 50,000, Rs. 1 lakh or Rs. 1.5 lakh respectively. Do note the 5% figure is not a flat 5% cashback on every transaction. Under Kiwi Neon, reaching Rs. 1.5 lakh in eligible spending may bring the user’s total effective cashback on those eligible spends to 5%. Cashback already earned during the year is deducted while calculating the milestone reward.
• Neon members can unlock up to three airport-lounge passes by reaching the specified annual-spend milestones. Do note that Kiwi Neon members can earn up to three complimentary airport-lounge passes during a membership year—one after reaching Rs. 50,000, one after Rs. 1 lakh and one after Rs. 1.5 lakh in eligible spending. Each unlocked pass is subject to Kiwi’s validity, lounge-list and usage conditions.
• Rewards are provided as Kiwis, with 1 Kiwi currently worth Rs. 0.25.
• For cards issued through Kiwi, regular monthly cashback is capped at 1% of the card’s total credit limit. Kiwi Neon milestone cashback is excluded from this monthly cap. Rewards are calculated in complete Rs. 100 transaction multiples, and exclusions and redemption conditions apply.

Eligibility criteria for the Kiwi RuPay Credit Card

The eligibility requirements for the Kiwi RuPay Credit Card vary according to the partner bank and credit card offered through the Kiwi app. Approval may depend on the applicant’s age, income, employment profile, credit history, location, KYC verification and the issuing bank’s internal eligibility policies. Meeting the basic eligibility requirements does not guarantee credit-card approval.

How to apply for the Kiwi RuPay Credit Card

Applying for the Kiwi RuPay Credit Card is a straightforward and convenient process, simply follow the steps below:

1. Download the Kiwi app.
2. Register using your mobile number and complete OTP verification.
3. Check the RuPay credit-card options available to you.
4. Provide the requested personal, employment and financial information.
5. Complete KYC and the partner bank’s verification process.
6. Submit your application for assessment.
7. If approved, activate the virtual card and link it with UPI.

How to Use the Kiwi Credit Card

• Make payments by simply scanning QR codes, with the amount charged to your credit card
• Earn cashback on eligible transactions completed through the Kiwi app, subject to reward exclusions, caps and applicable terms
• Manage your credit card account, including paying your bill, directly through the Kiwi app

Conclusion

The Kiwi RuPay Credit Card is a comprehensive and versatile financial solution that offers a wide range of benefits to customers. From seamless online and offline transactions to an attractive reward program and valuable travel perks, this credit card caters to the diverse needs of different cardholders.

By leveraging the features and rewards of the Kiwi RuPay Credit Card, you can enjoy a more convenient and rewarding financial experience. The Kiwi RuPay Credit Card may be particularly useful for customers who frequently make eligible merchant UPI payments and want cashback on everyday spending.

We encourage you to take the time to explore the details of this credit card and determine how it can best suit your financial needs. With its user-friendly application process and commitment to customer satisfaction, the Kiwi RuPay Credit Card is poised to become your trusted companion in your financial journey.

So, what are you waiting for? Apply for the Kiwi RuPay Credit Card today and unlock a world of benefits, convenience, and rewards. Together, let's embark on a financially empowered future.