Kiwi Credit Card

RuPay / UPILifetime free

Lifetime Free — No Joining Or Annual Fee
RuPay Card You Link To Any UPI App And Pay By QR On Credit
Rewards On Every UPI Transaction Via The Kiwi App
Issued With Axis Bank / Yes Bank, Managed Fully In-App

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Is the Kiwi Credit Card worth it?

The Kiwi Credit Card is a RuPay card you can link to UPI from Kiwi. It suits everyday UPI payments where you want to pay on credit and still earn rewards. For this card specifically, it's lifetime free, so there's no joining or annual fee. Think twice if you need wide international acceptance (RuPay is mainly domestic).

Headline benefit: Lifetime Free — No Joining Or Annual Fee.

Featured in🆓 lifetime-free credit cards 🌱 first credit cards for beginners 💸 cashback credit cards 📲 RuPay credit cards for UPI

Before you apply ✅

Link it in your UPI app to pay by QR on credit — small payments may earn lower or no rewards.
Most unsecured cards want a CIBIL score around 750+ — check yours first.
Confirm the current fee and waiver terms on Kiwi's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.