Kiwi UPI RuPay Credit Card
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 500 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
The Kiwi UPI RuPay Credit Card (co-branded with YES Bank) brings together the convenience of UPI and the rewards of a credit card. Scan and pay at any UPI QR merchant — no POS machine needed — and earn cashback on every spend, all on a lifetime-free card with no joining fee.
Key benefits
- Lifetime free — no joining fee
- Pay via UPI: scan and pay at any UPI-enabled merchant, no POS terminal required
- 2% cashback on Scan & Pay (UPI) transactions
- 0.5% cashback on all online spends
- 3 complimentary airport lounge visits on milestone spends
- 5% cashback on reaching a ₹1.5 lakh yearly spend milestone
- Interest-free credit and reward points (“Kiwis”) on every spend — save ₹15,000+ a year
- 1% fuel surcharge waiver
Frequently asked questions
Are there any fees for this card?
No — there is no joining fee; it’s a lifetime-free card.
Can this card be used for UPI payments?
Yes — the card is linked to UPI, so you can pay at any UPI-enabled merchant without needing a POS terminal.
What are the key benefits?
Cashback on transactions, a 1% fuel surcharge waiver, and the convenience of UPI integration.
What rewards do I earn?
You earn reward points (called “Kiwis”) for every ₹50 or ₹100 spent, with extra benefits on UPI QR transactions.
Fees & charges: Lifetime free — no joining fee. Eligibility requires an existing credit card from another bank with a ₹50,000+ active limit, a CIBIL score of 720+, and 9+ months in your current job. Card issuance, credit limit, benefits and eligibility are decided solely by YES Bank / Kiwi as per their prevailing terms.
Terms that matter
- You must NOT be an existing Kiwi or YES Bank credit card customer.
- You should already own a credit card from another bank with an active limit of ₹50,000 or more.
- Applicants must be 25–60 years old, salaried, with at least 9 months in their current job.
- Minimum monthly salary of ₹25,000 and a CIBIL score of 720 or above.
- Your Aadhaar must be linked with your mobile number, with no mismatch between PAN and Aadhaar, and your address must fall under a serviceable PIN code.
- Documents: Aadhaar card, PAN card and a bank statement.
- Complete the application in a single journey; do not submit multiple applications from the same device or mobile number.
- Card issuance, credit limit, benefits and fees are at the sole discretion of YES Bank / Kiwi as per their prevailing terms.
Earn 500 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.