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YES Bank / AU Small Finance Bank · RuPay · हिन्दी

Kiwi RuPay Credit Card: full review

The Kiwi RuPay card is the best lifetime-free card for people who primarily pay via UPI QR codes at offline stores. The 1.5% cashback on every scan-and-pay is the highest among free UPI credit cards, and direct bank credit makes redemption effortless.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
YES BANK / AU SM
RuPay
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KIWI
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spendsReward structure
None (on standard; milestone-based on Neon plan)Lounge access

Key benefits of the Kiwi RuPay Credit Card

1.5% direct cashback on all UPI Scan & Pay transactions (offline QR payments)0.5% cashback on online card spendsWorks with all UPI apps via Kiwi app integrationInstant virtual card, no wait for physical cardCashback credited directly to bank account, no redemption processRuPay network, works at all UPI QR merchants including small kiranas
Apply now ↗ Min. income: Flexible (new-to-credit friendly) · Credit score: 650+
Pros and cons
Pros
✓ Best card for offline UPI payments, 1.5% beats most free cards
✓ Works everywhere UPI is accepted, 500M+ merchants
✓ Direct bank cashback, no points or wallets
✓ Instant virtual card issuance
Cons
✗ Only 0.5% on online spends, weak for e-commerce
✗ No lounge access on standard plan
✗ Min 500 Kiwis to redeem
✗ Issued by smaller bank partners, less established
Quick facts
Issuer YES Bank / AU Small Finance Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None (on standard; milestone-based on Neon plan)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Flexible (new-to-credit friendly)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceThe issuers' published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Kiwi RuPay Credit Card is Lifetime free. This card is lifetime free with no annual fee.
The main benefits of the Kiwi RuPay Credit Card are: 1.5% direct cashback on all UPI Scan & Pay transactions (offline QR payments); 0.5% cashback on online card spends; Works with all UPI apps via Kiwi app integration; Instant virtual card, no wait for physical card; Cashback credited directly to bank account, no redemption process; RuPay network, works at all UPI QR merchants including small kiranas.
1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends
Kiwi RuPay Credit Card is best for UPI-first spenders who pay via QR codes at offline stores. The Kiwi RuPay card is the best lifetime-free card for people who primarily pay via UPI QR codes at offline stores. The 1.5% cashback on every scan-and-pay is the highest among free UPI credit cards, and direct bank credit makes redemption effortless.
The minimum income requirement for Kiwi RuPay Credit Card is Flexible (new-to-credit friendly). A minimum credit score of 650+ is also recommended.
Kiwi RuPay Credit Card does not offer airport lounge access.
Kiwi RuPay Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
Roarbank RuPay Credit CardNew-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categoriesIDFC FIRST Quantum+ Credit CardFirst credit card for anyone with no credit history who wants a lifetime-free, FD-backed card with a flat 1% cashback and a very small depositAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categories
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