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Kiwi RuPay Credit Card
Yes Bank • RuPay

Kiwi RuPay Credit Card

1% Cashback on UPI Scan & Pay (2% with Neon)

Reviewed by Amodh Shetty
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
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Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹3,156Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

UPI
1.0%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Kiwi RuPay is most effective as a UPI-first card for day-to-day QR and merchant UPI transactions, not as a broad premium rewards card.
  • Base economics remain straightforward at 1% cashback-equivalent, while Neon membership is the lever that raises eligible UPI rewards to 2%.
  • Current rewards policy excludes multiple MCC buckets (including utilities, fuel, wallets, and government), so realized value depends heavily on merchant mix.

Best Utilization

  • 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.

Watchouts

  • 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.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver threshold₹0
  • Cap typemonthly
  • Cap resetmonthly
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemption₹125
  • Expiry policyNot listed
  • Last verified2026-02-13

Lounge Truth

  • NetworkRuPay
  • Domestic count0
  • International count0
  • Quarterly limit0
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports11
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Kiwi Yes Bank RuPay Credit Card

Annual fee: Free

Shared focus: UPI, Lifetime FreeHigher top earn rate (2.0%)Estimated +₹2,400/yr value
View Details

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.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Kiwi RuPay Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Virtual RuPay Card for UPI Payments
  • Lifetime Free (No Annual Fee)
  • 1% Cashback on Scan & Pay
  • 2% Cashback with 'Kiwi Neon' Subscription (₹999/yr)
  • Rewards credited as 'Kiwis' (1 Kiwi = ₹0.25)

Things to Consider

  • Rewards are in 'Kiwis' (Not direct cash to statement)
  • Cap on UPI rewards (1% of credit limit)
  • Neon subscription required for 2% rate

About Kiwi RuPay Credit Card

Kiwi RuPay Credit Card is a cashback card from Yes Bank, best for upi payments & beginners. It is tagged under upi, lifetime free, rewards categories in our database.

UPILifetime FreeRewards

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Frequently asked questions

Is Kiwi RuPay Credit Card lifetime free?

Kiwi RuPay Credit Card is lifetime free with no annual fee.

What rewards does Kiwi RuPay Credit Card offer?

1% Cashback on UPI Scan & Pay (2% with Neon)

Does Kiwi RuPay Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Kiwi RuPay Credit Card?

UPI Payments & Beginners

Where can I apply for Kiwi RuPay Credit Card?

Check the issuer link listed for this card.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-13
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.