Kiwi RuPay Credit Card on UPI benefits
- 1.5% cashback on UPI Scan and Pay, and 0.5% on online payments.
- Issued by AU Small Finance Bank, Punjab National Bank or YES Bank.
- AU Small Finance Bank lists its AU KOSMO card as lifetime free.
- Monthly cashback is limited to 1% of your credit limit.
- Kiwi Neon is an optional membership at ₹999 plus taxes a year, with higher cashback and up to 3 lounge passes.
- Foreign currency markup on the AU KOSMO card is 3.49%.
Kiwi RuPay Credit Card on UPI rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shoppingOnline payments earn a lower rate than Scan and Pay. | 0.5% back | None |
| Everything else | 1.5% back | None |
No rewards on: Merchant codes Kiwi excludes, including fuel, utilities and telecom, government payments, education, rent, ATM cash and jewellery, among others. The full list is in the Kiwi rewards policy.
All reward rules
- Kiwi lists three issuing banks: AU Small Finance Bank, Punjab National Bank and YES Bank. Kiwi does not say which bank has the widest reach, and the bank you get can differ. This page uses AU Small Finance Bank, listed first by Kiwi, for bank charges. Check your own bank's terms.
- The base rate is 1.5% on UPI Scan and Pay. Kiwi pays this as Kiwis: 6 Kiwis per ₹100, and each Kiwi is worth ₹0.25.
- Monthly cashback is limited to 1% of your credit limit. Since 1 June 2025, Kiwis are given only on transaction amounts in multiples of ₹100.
- You need at least 500 Kiwis to redeem, and you redeem in multiples of 500.
- Kiwi Neon raises Scan and Pay to 2%. It also has yearly milestones: 3% at ₹50,000 of eligible spends, 4% at ₹1,00,000 and 5% at ₹1,50,000, each with 1 lounge pass. Milestone cashback is reduced by cashback already earned under the membership that year.
- The base card shows no lounge access. Lounge passes come only with Neon milestones, up to 3 a year.
Kiwi RuPay Credit Card on UPI annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 3.49%
Fee and forex figures are for the AU KOSMO card, which AU Small Finance Bank lists as lifetime free. The Kiwi Neon membership is optional and costs ₹999 plus taxes a year. The PNB Kiwi Card has different fees: the virtual card is free, while a physical card has a ₹500 joining fee and a ₹750 annual fee, waived on spends of ₹1,50,000 in the previous year.
Fuel surcharge: On the AU KOSMO card: 1% fuel surcharge refunded on transactions from ₹400 to ₹5,000, up to ₹100 per statement month.
Kiwi RuPay Credit Card on UPI eligibility
Kiwi's pages do not state age or income rules for the AU card. The PNB Kiwi Card lists an annual income of ₹2.50 lakh.
The bank alone decides approval and your credit limit.
Kiwi RuPay Credit Card on UPI lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the Kiwi credit card?
Kiwi describes the card as having no joining fee and no annual fee, and AU Small Finance Bank lists AU KOSMO as lifetime free. The PNB Kiwi Card is free as a virtual card, but a physical PNB card has a ₹500 joining fee and a ₹750 annual fee.
Is the Kiwi credit card lifetime free?
The AU KOSMO card is listed as lifetime free. The optional Kiwi Neon membership costs ₹999 plus taxes a year and is separate from the card. Fees can differ by issuing bank, so check your bank's terms.
Which bank issues the Kiwi credit card?
Kiwi works with AU Small Finance Bank, Punjab National Bank and YES Bank. Fees can differ by bank, so check the terms of the bank that issues your card.
What is the cashback limit on the Kiwi credit card?
Monthly cashback is limited to 1% of your credit limit. Neon milestone cashback is outside this limit. Spends at excluded merchant codes do not earn Kiwis.
Does the Kiwi credit card give lounge access?
Lounge access comes with Kiwi Neon, not the base card. Neon gives 1 lounge pass at each yearly milestone of ₹50,000, ₹1,00,000 and ₹1,50,000 of eligible spends. Each pass is valid for 6 months.
Does the Kiwi credit card have a fuel surcharge waiver?
On the AU KOSMO card, a 1% fuel surcharge is refunded on transactions from ₹400 to ₹5,000, up to ₹100 per statement month. Fuel merchant codes do not earn Kiwis.
How much is one Kiwi worth?
Kiwi states that each Kiwi is currently worth ₹0.25, so 4 Kiwis equal ₹1. You need at least 500 Kiwis to redeem.