Kiwi RuPay Credit Card: Earn 2% Rewards on Every UPI Payment in 2025

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Card Fees

Life Time Free

Joining Fees

Life Time Free

Annual Fees

Not specified%

Foreign Transaction Fee

52.86%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

15,000

Minimum monthly income

750

Minimum Credit Score

Category

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Minimum Credit Score Required

750

Annual Charges

Life Time Free

Features

  • 2% UPI cashback on all spends
  • Instant virtual card activation
  • Works with major UPI apps

Welcome Offer

  • Extra rewards on first UPI payment
  • No joining fee for early users (limited time)
  • Quick approval with minimal docs

The Kiwi RuPay Credit Card is a Feature-rich offering that caters to modern-day users looking for affordability, convenience, and robust benefits. This card is especially popular for its digital-first approach and seamless integration with UPI payments. The Kiwi RuPay Credit Card is a modern, versatile credit card designed for users who prioritize convenience, rewards, and affordability.

 

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Reward Points on Every Spend:
    • Earn reward points on transactions made both online and offline.
    • Higher rewards for spending in specific categories or merchants (details depend on the card’s program updates).
  • UPI Payments Enabled:
    • Link the Kiwi RuPay Credit Card to UPI for convenient and quick payments.
  • Lounge Access:
    • Enjoy complimentary lounge access at select domestic airports, enhancing your travel experience.
  • Digital-First Features:
    • Access and manage your card through the Kiwi CC App for tracking spends, redeeming rewards, and more.
  • Contactless Payments:
    • Tap-and-pay functionality for secure and quick transactions.
  • Lifetime Free Option:
    • Look out for promotional offers that allow you to make the Kiwi RuPay Credit Card lifetime free (LTF) with specific conditions.
  • No Hidden Charges:
    • Transparent fee structure ensures users are informed about all charges upfront.

Fees And Charges

Pro and Cons:

Pros:

  • UPI Integration: Allows linking with UPI for seamless and versatile payments.
  • Lounge Access: Complimentary lounge visits for a comfortable travel experience.
  • Affordable Fees: Competitive joining and annual fees, with potential for waivers.
  • Digital-First Approach: Manage your card entirely through the Kiwi CC App.
  • Lifetime Free Offers: Promotional opportunities to make the card LTF.

Cons:

  • Limited Lounge Access: Restricted to select domestic airports.
  • Moderate Reward Rate: Reward rates may not be as high as premium cards.
  • Income Eligibility: Requires a minimum monthly income of ₹25,000, which may exclude some users.

How To Apply

Online Application:

  1. Visit the official Kiwi website or download the Kiwi CC App.
  2. Fill in your details and complete the KYC process digitally.

Approval Process:

  1. Post KYC, your card application will be reviewed, and you’ll receive updates via email or SMS.
  2. Card Activation.

Additional Information

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    1. What is Kiwi App?
      • Kiwi is a mobile app that allows you to make UPI payments, transfer money, and link your credit or debit cards to perform seamless transactions directly from your phone.
    2. Can I link my RuPay credit card to UPI using the Kiwi app?
      • Yes, you can link your RuPay credit card to UPI on the Kiwi app. Simply follow the steps provided in the app to add your credit card and set up UPI for easy payments.
    3. Is it safe to link my RuPay credit card with UPI on the Kiwi app?
      • Yes, Kiwi uses secure encryption and OTP-based verification to ensure that your RuPay credit card and personal information are protected. Always ensure you download the official app from a trusted source like Google Play Store or Apple App Store.
    4. Do I need to have an existing account on the Kiwi app to link my RuPay credit card?
      • Yes, you need to create or sign in to an existing Kiwi account to link your RuPay credit card. The account is used to manage your payments and UPI settings.
    5. What information is required to link my RuPay credit card to UPI?
      • You will need to enter your RuPay credit card details, including:
        • Card number
        • Expiry date
        • CVV code
        • Cardholder name You’ll also need to set a UPI PIN for transactions.
    6. What should I do if my RuPay credit card is not being linked to UPI?
      • Ensure that you have entered the correct card details. If issues persist, try restarting the app or contact Kiwi’s customer support for assistance.
    7. Can I use my RuPay credit card to pay via UPI using Kiwi?
      • Yes, once your RuPay credit card is linked to UPI in the Kiwi app, you can use it to make payments, transfer funds, and access other UPI services directly.
    8. How can I remove or unlink my RuPay credit card from UPI on the Kiwi app?
      • To remove your RuPay credit card, go to the payment settings in the Kiwi app, select your linked credit card, and choose the option to unlink or delete it.
    9. Is there a fee for linking my RuPay credit card with UPI?
      • No, there are no fees charged by Kiwi for linking your RuPay credit card with UPI. However, check with your card issuer for any applicable charges.
    10. What happens if I forget my UPI PIN?
      • If you forget your UPI PIN, you can reset it using the option provided in the Kiwi app, following the authentication process.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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