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Kiwi Credit Card
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Kiwi Credit Card

Kiwi Credit Card is a lifetime free credit card from YES Bank. It is mainly useful for UPI. This page explains its joining fee, annual fee, cashback and rewards, lounge access, useful platforms, pros, cons and who should consider this card.

UPI
Card Details

Kiwi Credit Card details at a glance

Bank
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YES Bank
Annual Fee
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No Annual Fee
Joining Fee
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No Joining Fee
Joining Bonus
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No joining bonus available as per current card data.
Best For
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UPI
Cashback & Rewards
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  • 2% cashback on UPI Scan & Pay with Kiwi Neon Membership.
  • 1.5% cashback on UPI Scan & Pay.
  • 0.5% cashback on eligible online spends.
  • Kiwi Neon Membership worth ₹ 999 benefits-
  • Milestone rewards on yearly spends on Kiwi App:
  • Milestone 1 - 3% cashback on eligible spends of ₹50,000 + 1 lounge access.
  • Milestone 2 - 4% cashback on eligible spends of ₹1,00,000 + 1 lounge access.
  • Milestone 3 - 5% cashback on eligible spends of ₹1,50,000 + 1 lounge access.
Perks
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No major additional perks available as per current card data.
Domestic Lounge Access
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3 lounge visits as per Kiwi Neon Mebership on achieving milestone spends.
International Lounge Access
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Not Available
Useful Platforms
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UPI
Apply
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Pros and Cons of Kiwi Credit Card

A quick view of where this card works well and where it may not be the best fit.

Pros

✓ Lifetime-free card as per current card data.
✓ Strong option for UPI Scan & Pay rewards.
✓ Useful for users who want a credit card linked to UPI-style payments.
✓ Milestone rewards can add value for users spending through Kiwi.

Cons

✗ Best rewards depend on Kiwi app and Neon membership usage.
✗ Not strong for shopping, travel, grocery or food delivery categories.
✗ Lounge benefit is milestone-based, not a simple fixed lounge feature.
✗ Limited usefulness if you do not use UPI Scan & Pay frequently.

Who Should Consider Kiwi Credit Card?

This card is more useful for users with specific spending patterns.

Good Fit For

✓ Users who make many UPI Scan & Pay transactions.
✓ People who want a lifetime-free UPI-focused credit card.
✓ Users comfortable using the Kiwi app for payments.
✓ People who can achieve milestone spends for extra benefits.

May Not Be Ideal For

✗ Users whose main spending is online shopping.
✗ People who want fixed lounge access without milestone conditions.
✗ Users who rarely scan and pay by UPI.
✗ People looking for grocery, dining or travel-focused rewards.

Not sure if Kiwi Credit Card is best for you?

Use CardBachat AI to compare Kiwi Credit Card with other cards based on your income, monthly spend, preferred platform and lounge preference.

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Frequently Asked Questions

Quick answers before you compare or apply.

Is Kiwi Credit Card worth it?

Kiwi Credit Card can be useful if your spending matches its main benefit categories such as UPI. Always compare it with other cards before applying.

What is the annual fee of Kiwi Credit Card?

As per the current CardBachat card database, the annual fee is No Annual Fee. Always verify the latest terms with the bank before applying.

Does Kiwi Credit Card offer lounge access?

As per the current CardBachat data, lounge access details are shown above if available. Benefits can change, so verify the latest terms directly with the bank.

Who should apply for Kiwi Credit Card?

Users who frequently spend on UPI may consider this card. Users with different spending patterns should compare alternatives on CardBachat first.

Disclaimer: CardBachat provides educational credit card comparison assistance only. It does not guarantee approval, cashback, rewards, lounge access, or financial benefit. Final approval depends on bank eligibility, credit score, documents, income, bank relationship, and internal policies. We may earn a commission if you apply through affiliate links, at no extra cost to you. Read the full Disclaimer.