Kiwi UPI: Flat 2-5% Cashback on UPI Payments via Credit Card
Kiwi offers a lifetime free RuPay credit card and 2–5% cashback on UPI payments via the Kiwi Yes Bank credit card (you can apply for this card on the Kiwi app), along with benefits like free lounge access. Free credit card and assured cashback on online and offline payments, exclusive Rupay credit card offers, and rewards on sending money, all these make it a highly rewarding UPI payment app.
The app is exclusively designed for UPI payments, although features like rent payments and more have now been added.
Kiwi UPI App Features
Kiwi is a UPI-based payment app that allows users to make UPI payments over Rupay credit cards and bank accounts. Plus, it offers flat 1.5% cashback on merchant UPI payments made with Kiwi UPI credit card powered by Yes Bank.1. Get a lifetime Free Credit Card
It offers a free Rupay credit card powered by Yes bank — named Click Rupay Card. It is a virtual card that you can use for online and offline payments. Rupay is a product of NPCI, the same company that developed UPI. Therefore, you can make merchant UPI payments, too.1. Joining Bonus
You will receive ₹250 cashback as a joining reward if your card is approved on Kiwi. During the registration, you will see an option to apply for a credit card. You can also apply for the same later through the app. The reward will be added in the form of Kiwis (in-app currency), which you can redeem to receive cash into your bank account.Download the app below to claim the reward.2. Cashback on UPI Payments
It offers assured 1.5% cashback on UPI payments over ₹100 via the Rupay credit card, and 2% cashback to Kiwi Neon users. Kiwi Neon is an exclusive subscription offered by Kiwi that promises additional rewards on UPI payments. We have already explained how to join and what the conditions are to become a Neon member in one of our blogs. You can check that blog here. Note: The cashback will only be given when you make payments using the Rupay credit card.3. Incremental Cashback
Its cashback policy is pretty straightforward: the more you spend, the higher the cashback you get. You’ll get 2% cashback on spending up to ₹50,000. If you spend more than ₹50,000, you’ll start getting a flat 3% cashback on every UPI payment. After the next ₹50,000 spent, it increases to 4%. And once your total spend exceeds ₹1.5 lakh, the cashback increases to 5%.Milestone rewards on yearly spends on Kiwi App:- 3% cashback on eligible spends of Rs.50,000
- 4% cashback on eligible spends of Rs.1,00,000
- 5% cashback on eligible spends of Rs.1,50,000
3. Free Longue Access
For each milestone spent, lounge access will be unlocked. For each 50k spent per calendar year, it gives free lounge access, up to 3 per year. The lounge access, when unlocked, will appear on the homepage section. You can claim the pass by scanning the boarding pass.3. 0.5% Cashback on Online Spends
The RuPay card can be used for online payments, and it offers 0.5% cashback on each non-scan-and-pay transaction.| Spend Type / Condition | Cashback Rate | Details |
|---|---|---|
| Merchant UPI Payments (₹100+) | 1.5% | Via Kiwi RuPay Credit Card (Yes Bank) |
| Merchant UPI Payments (Kiwi Neon users) | 2% | Must be a Neon member |
| Scan & Pay (UPI Payments) | Up to 5% | On selected merchants, max 5% |
| Spend ₹50,000 (Yearly milestone) | 3% | On eligible UPI spends |
| Spend ₹1,00,000 (Yearly milestone) | 4% | Cashback increases with milestone |
| Spend ₹1,50,000 (Yearly milestone) | 5% | Maximum tier of cashback |
| Joining Bonus | ₹250 | Given as “Kiwis” (redeemable for real cash) |
| Free Airport Lounge Access | Up to 3 per year | 1 lounge access unlocked on every ₹50,000 yearly spend |
Excluded Categories
Certain transactions are not eligible for cashback rewards or milestone spend calculations. These include payments related to Utilities, Transportation, Government services, Professional and Membership Organisations, Marketing and Advertising, Retail services, Miscellaneous categories, Business services, Agricultural activities, and Horticultural or Veterinary services.
Kiwi Yes Bank Click Rupay Credit Card Review
In my opinion, if you make a lot of UPI payments, this card is super useful and one of the most rewarding out there. One downside, though, is that earlier it used to give cashback on transactions above ₹50, but now the minimum amount has been increased to ₹100. So, if you make a payment below ₹100, you won’t get any cashback.
Apart from that, it also gives merchant-specific offers, which is a big plus. You also get complimentary domestic lounge access and cashback on UPI transactions via the bank, which makes the deal even better. I would personally rate it 4 out of 5.
There’s also a paid membership called Kiwi Neon, but you can join it for free through an invite link (I’ve added the link below). If you join using that, you’ll get the ₹999 subscription absolutely free through the invitation program.
Overall, I definitely recommend this card. You should go for it, you won’t be disappointed.
