Kiwi
Kiwi RuPay Credit Card
Data Verified
Last checked: 21 Mar 2026UPI power users who want guaranteed rewards on every scan-and-pay transaction.
India's digital-first UPI credit card offering flat rewards on every Scan & Pay transaction, linked directly to your UPI ID.
UPIScan & PayPayments
Annual Fee
FREE
Lifetime Free - Zero annual fee forever
Cashback
1.5%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"Kiwi RuPay is the future of micro-payments in India. By bringing credit card rewards to the world of UPI "Scan & Pay," it ensures you earn on even the smallest merchant transactions. LTF status and flat 1.5% cashback make it a must-have for daily coffee-and-grocery runs."
Key Privileges
Welcome Benefit₹100 cashback on joining
Fee WaiverLifetime Free - Zero annual fee forever
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score680
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self