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Kiwi Yes Bank RuPay Credit Card
Yes Bank • RuPay

Kiwi Yes Bank RuPay Credit Card

UPI-first RuPay credit card with Kiwi cashback rewards and app-led savings stack.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
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.
Annual FeeFreeLifetime free as positioned by Kiwi
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹5,556Based 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₹3,600

Assumes base reward rate only.

Annual feeWaived

Lifetime free as positioned by Kiwi

Net value₹3,600

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

UPI
2.0%
Basedefault
1.0%
Online
1.0%

Key Takeaways

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

Pros & Insights

  • UPI-first RuPay credit card with Kiwi cashback rewards and app-led savings stack.
  • Highest reward leverage comes from upi 2.0% bands.
  • Fee drag is low due lifetime-free structure, so net value depends mainly on how well accelerated categories are used. Cap and milestone mechanics are material for this card, so periodic tracking is necessary.

Best Utilization

  • Use this card first for users who do most spends on upi and want a lifetime-free digital-first card-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (upi 2.0%) and shift overflow after cap pressure appears.
  • Pair with one strong specialized card for travel or online categories to improve overall portfolio yield.

Watchouts

  • Lounge benefit is tied to Kiwi Neon membership and milestone rules
  • Reward rates can vary by campaign and merchant
  • Missing cap/milestone checkpoints can lower realized return versus projected return.

Truth Data Snapshot

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

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkRuPay
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports18
  • Approval reports11

Upgrade Path

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

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: lounge access is milestone/program-driven and not published as a static airport-row file.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Kiwi Yes Bank 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

Lounge unlock can depend on Kiwi Neon membership milestones or subscription status; verify current month rules in app.

Quarter / cycle rule

If lounge is active via Neon, visit frequency and period validation can apply by program tier.

Guest access

Guest lounge entitlement is not listed as a standard base-card feature.

Priority Pass

Priority Pass is not listed as a core Kiwi Yes Bank RuPay benefit.

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 card issuance in minutes via Kiwi app journey
  • RuPay credit card usable on UPI merchants
  • Reward flow is app-led (cashback and campaign offers)
  • No joining and annual fee as currently positioned

Things to Consider

  • Lounge benefit is tied to Kiwi Neon membership and milestone rules
  • Reward rates can vary by campaign and merchant
  • Check latest issuer/partner terms before high-value spending

About Kiwi Yes Bank RuPay Credit Card

Kiwi Yes Bank RuPay Credit Card is a cashback card from Yes Bank, best for users who do most spends on upi and want a lifetime-free digital-first card. It is tagged under upi, lifetime free, rewards, online categories in our database.

UPILifetime FreeRewardsOnline

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Frequently asked questions

Is Kiwi Yes Bank RuPay Credit Card lifetime free?

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

What rewards does Kiwi Yes Bank RuPay Credit Card offer?

UPI-first RuPay credit card with Kiwi cashback rewards and app-led savings stack.

Does Kiwi Yes Bank RuPay Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Kiwi Yes Bank RuPay Credit Card?

Users who do most spends on UPI and want a lifetime-free digital-first card

Where can I apply for Kiwi Yes Bank RuPay Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • 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.