Why you should get it
UPI Payments & Beginners
- Virtual RuPay Card for UPI Payments
- Lifetime Free (No Annual Fee)
- 1% Cashback on Scan & Pay
- 2% Cashback with 'Kiwi Neon' Subscription (₹999/yr)
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Why get it Why skip it Step 1 Annual feeFree Fee waiverNot needed Best return1% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Visits listedNo access Access ruleNo access Coverage sourceNeeds check
Yes Bank • RuPay
Kiwi RuPay Credit Card
Decision memoUpdated 13 Feb 2026
Get it if
Use this card for eligible UPI scan-and-pay spends where cashback-style return is predictable and fee burden is zero
Skip it if
excluded MCC categories can materially reduce expected cashback on routine UPI spending
Verified 13 Feb 2026VerifiedHigh confidence3 sources checked
Latest change: Upgraded to verified using Kiwi Rewards Policy + Kiwi Neon terms pages
For UPI Payments & Beginners. 1% on upi spend. No annual fee. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Rewards are in 'Kiwis' (Not direct cash to statement)
- Cap on UPI rewards (1% of credit limit)
- Neon subscription required for 2% rate
Annual FeeFreeNo annual fee.
Spend to Waive FeeNot neededThis card is lifetime free.
Best Category Return1%UPI spend
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Use this card for eligible UPI scan-and-pay spends where cashback-style return is predictable and fee burden is zero.
- Track monthly rewards against the policy cap (1% of total credit limit) and route overflow spends to backup category cards.
- If considering Neon, re-check break-even monthly spend based on your actual eligible UPI categories rather than total UPI volume.
Watch before applying
- excluded MCC categories can materially reduce expected cashback on routine UPI spending
- Rewards are tracked in Kiwis with minimum redemption threshold and redemption multiples, not instant statement cashback on every transaction.
- Neon-enhanced earn rates require paid membership and should be evaluated against expected incremental reward uplift.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Same-bank step-up path
These are objective same-bank step-up options from the current rewards and lounge model.
Kiwi Yes Bank RuPay Credit Card
Annual fee: Free
Shared focus: UPI, Lifetime FreeHigher top earn rate (2.0%)Estimated +₹2,400/yr value
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Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
No annual fee.
This card is lifetime free.
UPI spend
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No complimentary lounge visits are currently listed.
No lounge data listed in latest source snapshot. Please verify with issuer.
Derived from card policy signals
Lounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.