If you’re looking for a UPI application that offers you a lifetime free credit card along with flat cashback on UPI payments, you should explore Kiwi.
Kiwi is one of the best UPI payment applications that rewards you for making UPI payments. It offers a Rupay credit card powered by Yes Bank. And if you use this credit card to make UPI payments, you’ll get flat 1% cashback. Additionally, additional benefits such as complimentary airport lounge access come with the Rupay credit card.
Let’s know what benefits it offers.
What is Kiwi App?
Kiwi is a UPI-based payment app that allows users to make UPI payments via credit card and bank account. In addition, it offers a lifetime free Rupay credit card powered by Yes Bank. For new users, it is running the following campaign:
Top Reasons to Use Kiwi
✅ Get a flat 1% Cashback on Scan & Pay
✅ 5% cashback on spending ₹1.5L in a year
Benefits of Using Kiwi App
1. Joining Bonus ₹250
Like other fintech apps, Kiwi also offers several rewards when you join. The first reward is when you join and apply for a credit card, you’ll receive ₹250 cashback upon approval of your credit card. The cashback will be credited to you in the form of Kiwis as soon as you link your credit card.
| Kiwi Referral Code & Link | |
|---|---|
| Joining bonus | ₹250 |
| Referral Link | Click here |
| Referral code | KIWIYS8PED |
2. Flat 1% cashback on UPI Payments
Kiwi offers a flat 1% cashback when you make UPI payments to merchants using the credit card.
3. 5% cashback on yearly spend
If you make payments exceeding ₹1.5 lakh in a year, Kiwi offers 5% cashback. If you frequently use UPI payments daily, Fi could be highly beneficial for you, allowing you to save significantly with every use.
How to Join Kiwi App?
Download the Kiwi app. Upon downloading the app, provide your basic details and it will ask you to apply for a credit card. Click on Apply for a credit card and proceed. You will need to wait around 5 days to get your approval.
You will be notified by email/ in-app notification if you are application is approved or rejected. If your application is approved, you will see “Your card is generated.”
Bingo! Click to link the card and you will get ₹250 into your Kiwi account.
Is Kiwi Credit Free or Paid?
It offers a Rupay credit card which is free for a lifetime. There is no charge for using it. The best thing is that it offers a Rupay card which can be used to make daily UPI payments to merchants near you. In addition, you will find unique features such as airport lounge access, free personal accident coverage, fuel surcharge waiver, 24/7 concierge assistance or services, reward points and benefits on dining, travel and more.
What is Kiwi Neon?
Have you heard about — Kiwi Neon? It is a subscription plan offered by Kiwi that is free for a whole year. Normally, it costs INR 999. And if you are a Kiwi Neon subscriber, you’ll get 2% cashback instead of just 1%. It is up to you if you want to become a Kiwi Neon user.
You can watch the Kiwi Neon banner on the app. When you open the app, you’ll see a banner for this offer. Click on it to see more details about the charges and other benefits. If you’re not eligible, you won’t see the banner.
Their cashback policy can be a bit tricky. For regular payments, you get a 1% flat cashback. However, if you enrol in the Kiwi Neon program, you’ll get a 2% flat cashback on eligible payments.
Click here to read more about Kiwi Neon Program.
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