Kiwi App: Get Lifetime Free Axis Credit Card + 1% UPI Cashback

  • Flat 2% Cashback for Waitlist users and Flat 1% Cashback on Scan & Pay
  • Kiwi will offer RuPay credit card to users to make UPI payments


KIWI, a platform launched by Siddharth Mehta, Mohit Bedi, and Anup Agrawal, who are known for their work with freecharge, LazyPay, and PayU, has introduced a lifetime free credit card. It will give you 1% flat cashback when you make a UPI payment through it. Here’s everything you need to know about.

What is KIWI Card?

It is a virtual Rupay credit card, powered by Axis Bank, that will give you a flat 1% cashback on every UPI payment. As you know, now you can make UPI transactions using a Rupay credit card. As stated on the Kiwi website, it will be lifetime free and the cashback will be directly deposited to users’ bank account.

According to the information provided on the company’s website, users on the waitlist will receive a fixed 2% cashback. However, it is unclear whether this cashback percentage is a permanent offer or temporary, as the terms and conditions have not been disclosed.

How to Get Kiwi UPI Card?

Although the card has not been released yet, you can join the waitlist to get this card. Simply go to Kiwi’s official website and scroll down on the homepage to locate the option for ❝joining the waitlist❞.

join waitlist


The main advantage is the availability of a flat 1% cashback, which serves as a significant incentive for making payments.

  • The credit card is free for a lifetime.
  • The onboarding process is simple and fast.
  • You will receive cashback on every successful payment made through the Kiwi Axis Bank Rupay Credit card.
  • flat 1% cashback on kiwi

  • The cashback amount will be directly deposited into your bank account.


As of now, there is no further information available about the eligibility criteria for obtaining the card. However, it appears that minimal verification and criteria will be required to acquire it. Currently, the platform has only opened a waitlist for the card.

Kiwi Value

One Kiwi is worth ₹ 0.25, (which means 4Kiwis = ₹1).

Cashback Program

1. Cashback With Kiwi Credit Card Payment

You will earn Kiwis based on the amount spent on the card. The calculation is done on multiples of Rs 50.

  • Transaction of Rs 100: 2 Kiwis
  • Transaction of Rs 75: 1 Kiwis
  • Transaction of Rs 175: 3 Kiwis

2. Cashback on Scan and Pay transactions

You will earn double the rewards when making a payment by scanning a UPI QR code.

3. Extra Cashback for Waitlist Users

Customers on the waitlist are eligible for higher rewards for 6 months from the date of onboarding.

  • Waitlist customers who complete onboarding within 15 days: Eligible for higher rewards
  • Waitlist customers earn 4X rewards on Scan and Pay transactions


It is a well-known fact that during a platform’s initial stage, they tend to offer attractive and enticing deals. However, once they become established and well-known, these offers may become less generous. This pattern has been observed with platforms like Paytm, Cred, and others. Thus, joining a platform during its initial stage can provide a range of benefits that come with being part of its launch.

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