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)
Back to Browse
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 Rows mapped0 rows Access ruleCheck terms Coverage sourceNeeds check
Annual feeLifetime free
RewardsCashback
Earns hardest on
UPI 1.0%
Yes Bank • RuPayEveryday cashback
Kiwi RuPay Credit Card
Updated 13 Feb 2026VerifiedHigh confidence3 sources checked
Freshness warning: last verified 138 days ago (13 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
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
Latest change: Upgraded to verified using Kiwi Rewards Policy + Kiwi Neon terms pages
For UPI Payments & Beginners. 1% on upi spend. No annual fee. Verify the lounge spend rule before applying.
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 ConditionCheck termsNo airport rows mapped
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
Your spend, your value
Will this card earn its keep for you?
Adjust your estimated monthly spend to see the personalized annual value after fees.
Est. annual value+₹2,178after annual fee
Lifetime free — every rupee is upside
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.
0 domestic • 0 international policy count
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.