Kiwi credt card

Kiwi credt card

If you are looking for the key takeaways, this card excels in these areas:

  • Lifetime Free: No joining fees and no annual maintenance charges.

  • UPI Cashback: Earn 1.5% cashback on every “Scan & Pay” transaction made via the Kiwi App.

  • Online Spends: Get 0.5% cashback on online shopping and digital payments.

  • RuPay Advantage: As a RuPay card, you can link it to any UPI app (GPay, PhonePe, Paytm) for seamless merchant payments.

  • Virtual Card: 100% digital experience; get instant approval and start using the card immediately via the app.

Category: Brand:

The Kiwi card is specifically engineered for the UPI-first user. Here is a deep dive into its features:

1. Rewards & Cashback Structure

  • UPI Scan & Pay: Earn 1.5% cashback when scanning merchant QR codes through the Kiwi app.

  • Online Transactions: Earn 0.5% cashback when using card details on e-commerce platforms.

  • Non-UPI Spends: For traditional spends (non-UPI), you earn 2 reward points for every ₹200 spent.

  • Kiwi Coins: Cashback is credited as “Kiwi Coins.” You can instantly convert these into hard cash and transfer them to your bank account.

    Conversion Rate: 4 Kiwi Coins = ₹1.

2. Kiwi Neon Membership (Premium Perks)

High spenders can opt for the Neon Membership (subject to a nominal fee) to unlock:

  • Up to 5% Cashback: Enhanced cashback rates on UPI spends upon hitting specific milestones.

  • Lounge Access: 3 complimentary domestic airport lounge visits per year (milestone-based).

3. Fees & Surcharges

  • Joining/Annual Fee: ₹0 (Completely free for life).

  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at any petrol pump across India.

4. Seamless Digital Experience

  • Instant Issuance: Since it is a virtual card, there is no waiting for physical delivery. You can start shopping within 5–10 minutes of approval.

  • Universal Compatibility: Link it with Google Pay, PhonePe, or Paytm to pay at any kirana store or showroom; the amount is deducted from your credit limit rather than your bank balance.

5. Eligibility Criteria

  • Age: 21 to 60 years.

  • Note: If you already hold an existing Yes Bank credit card, your eligibility for this specific co-branded card may vary.

Summary

The Axis Kiwi card is the perfect choice for individuals who want to move away from using their bank balance for daily expenses. It allows you to leverage your credit limit for UPI payments while earning consistent cashback on every small or large purchase.

Disclaimer: All logos and images are the property of their respective owners. This content is for informational purposes only and is not an official endorsement or financial advice.

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