Kiwi Credit Card on UPI: Complete Review

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Enter the Kiwi Credit Card — the smart solution designed specifically for the UPI ecosystem! As per RBI regulations, this Rupay credit card is fully compatible with UPI payments, allowing you to make transactions quickly and effortlessly.

In a fast-paced digital world, Kiwi is redefining convenience and accessibility in payments. This Virtual RuPay Credit Card offers instant access to credit, perfectly tailored for modern Indian consumers. Experience effortless integration with UPI, allowing you to make swift payments at your favorite merchants and services without the hassle of cash or physical cards.

How to Avail Kiwi Credit Card

The first step will be to download the Kiwi: Rupay Credit Card on UPI app on your mobile phone.
Click on ‘Login’ and provide your registered mobile number.
A one-time password (OTP) will be sent to your mobile number. Enter the OTP.
Post that you will get a waitlist ID.
Once you have logged in, you can then apply for a virtual Kiwi Credit Card.

How to Use Kiwi Credit Card

With Kiwi’s innovative QR code solution, simply scan any QR to pay directly from your credit card account. Plus, manage your entire credit card experience seamlessly through the Kiwi app, where you can log in to check balances and pay outstanding bills instantly without any hassle.

Features of Kiwi Credit Card

The features of Kiwi Credit Card are given below:

Use your virtual credit card to make payments with no minimum amount to be spent.
You can make payments using Kiwi on all UPI apps.
You will be offered the credit card for no charge. In other words, the credit card is free for a lifetime.
Use your card right away with simple onboarding and verification.
Every transaction will earn you 2x Assured cashbacks when you use your scan and pay card. You can claim your cashback at any time, and it will be instantly credited into your bank account.

Fees & charges

Joining Fee : NIL

Annual Fees : NIL

Late Payment Fees :

Up to ₹500: NIL
From ₹501 to ₹5000: ₹500
From ₹5001 to ₹10000: ₹750
Above ₹10000: ₹1200

Interest Rate : (Overdues)

Monthly Rate 3.6%
Annual Rate: 52.86%

Interest Rate : (Cash Advances:)

Monthly Rate 3.6%
Annual Rate: 52.86%

Reasons to Use Kiwi Credit Card

The reasons why you can avail the Kiwi Credit Card are:

Avail instant cashback on scanning and paying.
It is the first credit card to enable direct UPI payment through scanning.
The card is free for a lifetime and no extra charges have been levied.

FAQ

Can I set my credit card limit on the Kiwi app?

Yes, you can set a limit on the amount you wish to spend using your Kiwi Credit Card through the Kiwi app.

Is Kiwi app certified by NPCI?

Yes, Kiwi app is certified by NPCI.

Can I get my Kiwi Credit Card blocked?

Yes, you can log in to the Kiwi app where you can get your Kiwi Credit Card blocked.

What are Kiwi Rewards and how do I use them?

Kiwi Rewards is a program that awards points called “Kiwis” for using your Axis Bank Kwik credit card issued by Kiwi. Each Kiwi is worth Rs 0.25 and can be redeemed anytime into your linked Goaxb UPI ID account. There’s a monthly cap on Kiwis you can earn (check terms for details). Transactions might not earn Kiwis if unsuccessful, fall under excluded categories, or you’ve reached the monthly limit.

How long does it take to receive the credit card through Kiwi after approval?

72 working hours from the time of approval.

Why can’t I link my existing Visa / Mastercard credit card to UPI on the Kiwi app?

As per the RBI regulation only Rupay credit cards are allowed to be linked to UPI for making payments across the UPI ecosystem.