KIWI Rupay Credit Card
Issued by Issued by partner banks (YES Bank, Punjab National Bank, AU Small Finance Bank); Kiwi app operated by Gokiwi Technologies Pvt Ltd
Kiwi is a lifetime-free RuPay credit card used on UPI through the Kiwi app by Gokiwi Technologies Pvt Ltd. The cards are issued by partner banks, including YES Bank, Punjab National Bank and AU Small Finance Bank, and earn 2x cashback on UPI scan and pay.
Joining fee
Free
Annual fee
Free
Fee waiver
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Finance charge
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As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Lifetime free: ₹0 joining fee and ₹0 annual fee
- 2x cashback on UPI scan and pay
- Instant virtual card
- UPI ready
- No-cost EMI option to split a payment into 3, with the bank's interest credited back to the Kiwi wallet
Best for
Paying by credit card on UPI
Pros
- No joining or annual fee
- Credit card payments through UPI
- Cashback on scan and pay
Cons
- Finance charges are set by the issuing bank and differ by partner card; check the bank's KFS
Frequently asked questions
Who issues the Kiwi credit card?
The cards are issued by Kiwi's partner banks. Kiwi's site names YES Bank (Klick card), Punjab National Bank (PNB Kiwi card) and AU Small Finance Bank (AU KOSMO card).
How much cashback does Kiwi give?
Kiwi gives 2x cashback on UPI scan and pay payments.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by Issued by partner banks (YES Bank, Punjab National Bank, AU Small Finance Bank); Kiwi app operated by Gokiwi Technologies Pvt Ltd, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.