Kiwi RuPay credit card

Kiwi RuPay

Kiwi · RuPay

Kiwi RuPay is a free lifetime entry card focused on UPI payments — great for beginners building credit history.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹1/pt

Min CIBIL

—

Key Features

Lifetime free RuPay credit card via Kiwi fintech app
Earn Kiwi Coins on every UPI transaction
2X Kiwi Coins on online and app-based spends
Redeem Kiwi Coins for cashback, vouchers and rewards
Supports all UPI apps — PhonePe, Google Pay, BHIM
Zero annual fee forever — no hidden charges
Interest-free credit up to 45 days
Instant approval via Kiwi app

Welcome Benefits

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Lifetime Free Card via Kiwi App

Zero joining fee, zero annual fee forever — managed entirely through the Kiwi mobile app

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Welcome Kiwi Coins on First Transaction

Earn bonus Kiwi Coins on your first UPI transaction within 30 days of activation

Reward Rates by Category

Dining

1X

Travel

1X

Online

1X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
All UPI MerchantsUPI Payments2X
Online ShoppingOnline2X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Zero Liability on Lost Card

Full protection — report loss via Kiwi app immediately

100% fraudulent charges

Pros

  • Zero annual fee — free for life
  • Works with UPI apps
  • No income requirement
  • Good for building credit history

Cons

  • No lounge access
  • Very basic rewards
  • Limited acceptance vs Visa/Mastercard

Frequently Asked Questions

What is Kiwi?+
Kiwi is a fintech that issues lifetime-free RuPay credit cards. Manage your card, earn and redeem Kiwi Coins entirely through the Kiwi mobile app.
How do I earn Kiwi Coins?+
Earn Kiwi Coins on every UPI payment — 2X on online and app-based spends.
How to redeem Kiwi Coins?+
Redeem via Kiwi app for cashback against statement, shopping vouchers or rewards catalogue.
Is it really free?+
Yes — lifetime free with no annual or joining fee. Kiwi earns from interchange, not from cardholders.
Which bank issues the card?+
The RuPay credit card is issued in partnership with a licensed RBI bank. Check Kiwi's current banking partner on their app.

Ready to apply?

Apply on the Kiwi website. Usually takes 10 minutes.

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Kiwi RuPay

Free · 1X rewards