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
Base Reward Rate
1X
Point Value
₹1/pt
Min CIBIL
Not specified
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
1X
Travel
1X
Shopping
1X
Online
1X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
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
Ready to Apply?
Apply directly on the Kiwi website. Takes about 10 minutes.
