Kiwi offers a truly free-for-life RuPay credit card you manage entirely in its app. You get up to 5 % cashback on UPI payments, instant bank deposits, and even airport lounge access with its Neon upgrade. Below we unpack each aspect—eligibility, application, benefits—and compare Kiwi to other top no‑fee cards in India.
Kiwi Lifetime Free Credit Card Eligibility Criteria
To get a Kiwi RuPay credit card, you must be an Indian resident aged 18 or above. You need a smartphone with the Kiwi app installed and set up for UPI payments. You also complete a quick e‑KYC with your PAN and Aadhaar in the app.
How to Apply for Kiwi Lifetime Free Card?
Getting your Kiwi card takes minutes and is 100% digital.
- First, download the Kiwi app
- Sign up with your mobile number and link your bank account via UPI.
- Finally, complete e‑KYC by uploading photos of your PAN and Aadhaar.
- Once approved, your virtual RuPay card appears instantly in the app.
Key Benefits Of Kiwi Credit Card
- Zero Fees for Life: No joining fee. No annual fee ever.
- Up to 5 % Cashback: Earn 2 %–5 % back on UPI‑scan payments, capped at ₹1.5 lakh of spends annually.
- Instant Bank Payouts: Cashback posts directly to your linked bank account in real time.
- Virtual Card: Use it anywhere RuPay is accepted—online, offline, even roadside stalls.
- Neon Lounge Access: Neon subscribers unlock up to three free domestic lounge visits per year.
- Exclusive Offers: Special deals on top brands and services via the Kiwi app.
Comparison with Other Lifetime Free Credit Cards
Here’s how Kiwi stacks up against other popular lifetime‑free cards:
| Feature | Kiwi RuPay | Axis Kwik RuPay | Amazon Pay ICICI | Jupiter Edge CSB RuPay |
|---|---|---|---|---|
| Joining/Annual Fee | ₹0 / ₹0 | ₹0 / ₹0 | ₹0 / ₹0 | ₹0 / ₹0 |
| Cashback Rate | 2 %–5 % on UPI spends | 1 %–2 % (EDGE points) | 5 % on Amazon; 2 % on partners; 1 % on others | 2 % on chosen category; 0.4 % others |
| Payout | Instant to bank | Points (redeem later) | Amazon Pay balance | “Jewels” in app, redeem later |
| Virtual Card | Yes | Yes | Digital + physical | Yes |
| Lounge Access | Yes (3 visits/yr) | No | No | No |
| Application Channel | Kiwi app | Axis Bank app/portal | Amazon or ICICI site | Jupiter app |
- Axis Kwik RuPay issues a virtual card instantly and earns EDGE points, but points can take time to redeem.
- Amazon Pay ICICI gives up to 5 % back on Amazon purchases, but rewards come as Amazon Pay balance only.
- Jupiter Edge offers category‑based 2 % cashback, but you redeem “Jewels” as cash or vouchers later.
Who Should Choose Kiwi Lifetime Free Credit Card?
If you pay via UPI every day, Kiwi maximizes your rewards without any fees. If you want instant real‑time cashback in your bank, Kiwi delivers. If you value a lighter wallet—you never carry plastic—Kiwi’s virtual card is perfect. And if you occasionally travel, Neon lounge access sweetens the deal.
Conclsuion
The Kiwi RuPay credit card stands out as India’s most user‑friendly, no‑fee, high‑cashback UPI card. Its simple app‑only flow and instant bank payouts make it a top choice for digital‑first spenders.
Frequently Asked Questions (FAQs)
What is the Kiwi Lifetime Free RuPay Credit Card?
It is a digital credit card you get in the Kiwi app. There is no joining fee and no annual fee.
You earn cashback on UPI payments.
Who can apply for the Kiwi RuPay card?
Any Indian resident aged 18 or above. You need a smartphone with the Kiwi app. You must complete e‑KYC with PAN and Aadhaar.
How do I get the Kiwi card?
- Download the Kiwi app on your phone.
- Sign up and link your bank with UPI.
- Upload PAN and Aadhaar for e‑KYC.
- Your virtual card appears instantly in the app.
What cashback do I get?
You earn 2 % to 5 % cashback on UPI‑scan payments. Cashback is provided real‑time and you can transfer it straight to your bank. The yearly cap is ₹1.5 lakh of UPI spends.
Can I use the card offline?
Yes. Kiwi credit card works wherever RuPay is accepted. You can pay in stores, online shops, and even small vendors.
What is Neon lounge access?
Neon is an upgrade tier in Kiwi. Neon members get up to 3 free domestic airport lounge visits per year.
How do I view my card and rewards?
- Open the Kiwi app.
- Tap on “Card” to see your virtual card details.
- Tap on “Rewards” to see cashback history.
Is the Kiwi card safe to use?
Yes. Your card details are stored securely in the app. You set your own UPI PIN and app lock. You can freeze or unfreeze the card instantly if needed.
How does Kiwi compare to other free cards?
- Axis Kwik RuPay gives points, not instant cashback.
- Amazon Pay ICICI gives Amazon Pay balance, not bank credit.
- Jupiter Edge gives app‑coins you redeem later.
Kiwi stands out for real‑time bank cashback and simple app control.
Where can I get help?
- Visit the “Help” section in the Kiwi app.
- You can chat with support or read the FAQs list there.
- You can also email support from within the app.
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