Credit Cards · Honest Review
Kiwi UPI Credit Card
Kiwi · RuPay
Your Verdict
- ✓Lifetime free UPI credit card via Kiwi app
- ✓1.5% flat cashback on all UPI credit transactions
- ✓3% cashback on shopping and dining
- ✓Instant digital card — no physical card needed
- ✓Works on PhonePe, Google Pay, and BHIM
What Kiwi UPI Credit Card costs you
Kiwi UPI Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Kiwi UPI Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| 🛒 Online Shopping | 3% |
| 🍽️ Dining & Food | 3% |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Kiwi UPI Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Kiwi UPI Credit Card
Kiwi UPI Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹15,000 |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Kiwi UPI Credit Card
- → Heavy spenders on online shopping who want 3% back
- → Heavy spenders on dining & food who want 3% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
Kiwi UPI Credit Card — Questions answered
Is Kiwi UPI Credit Card free for life?
What is the minimum income required for Kiwi UPI Credit Card?
What is the reward rate on Kiwi UPI Credit Card for online shopping?
Does Kiwi UPI Credit Card provide airport lounge access?
How long does it take to get Kiwi UPI Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.