Yes BankKiwi RuPay Credit Card
Earn rewards and benefits with Kiwi RuPay Credit Card.
Top Category Performance
RuPay UPI Scan & Pay (96/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.5 – 1.5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
25/25
Lounge & Perks
8/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Kiwi RuPay Credit Card Benefits
Kiwi RuPay Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
0.5% – 1.5%
Earn rate
₹0.25
Per point
Kiwi RuPay Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- person-to-person transfers
- non-merchant UPI transfers
Card Features
🎉 Zero Annual Fee — 100% Net Profit
Kiwi RuPay Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Kiwi RuPay Credit Card Eligibility
Pros & Cons
- One of the best lifetime free UPI credit cards
- Excellent for frequent QR code and UPI users
- Cashback directly transferable to bank account
- Works seamlessly across major UPI apps
- Instant virtual card activation is very convenient
- Good rewards for everyday small-ticket spends
- Kiwi Neon significantly boosts reward potential
- Strong beginner-friendly RuPay credit card
- Best cashback rates require paid Kiwi Neon membership
- Lounge access available only through spend milestones
- Reward structure can feel confusing initially
- Limited travel and premium lifestyle benefits
- International acceptance weaker than Visa/Mastercard
- Cashback exclusions apply on some merchant categories
- Physical card experience and support ecosystem still evolving
Quick Links
Data last updated 11 Aug 2026
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Calculate your exact earnings with Kiwi RuPay Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.