What is the value of 1 Kiwi on the Kiwi RuPay Card?

1 Kiwi point is worth ₹0.25. Points can be redeemed instantly as real cash credited directly into your savings bank account.

Can you use the Kiwi card for sending money to friends?

No. The Kiwi RuPay Credit Card can only be used for merchant payments (P2M). You cannot use it to transfer funds to personal bank accounts or friend phone numbers.

How do you link the Kiwi RuPay card to UPI?

Once approved, the Kiwi virtual RuPay credit card can be linked directly inside the Kiwi app, Google Pay, PhonePe, or Paytm by selecting Credit Card on UPI.

Is there any joining or annual maintenance fee for Kiwi RuPay?

No. The Kiwi RuPay Credit Card is 100% Lifetime Free (LTF) with zero joining and annual fees.

Kiwi RuPay Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility

Researched & Fact-Checked by CardSe Editorial Team · Verified: September 2026 against Bank Schedule of Charges (MITC) · CardSe Score: 4.4 / 5.0

The Kiwi RuPay Credit Card is a leading cashback credit card issued by Credit Card Issuer on the RuPay network. Tailored specifically for everyday consumers making frequent small-ticket payments via upi who want direct cashback on scan-and-pay transactions. it features a joining fee structure of Free. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.

Key Benefits & Reward Structure

The reward structure of the Kiwi RuPay Credit Card is structured around category-specific accelerators and spend thresholds:

Online Spends: Offers 1% reward rate on eligible digital purchases.
Offline Spends: Earns 1% cashback/rewards on eligible brick-and-mortar purchases.

Important Parameters: Earn 2 Kiwis per ₹100 spent via UPI scan and pay. 1 Kiwi = ₹0.25.

Break-Even & Value Analysis

The Kiwi RuPay Credit Card is completely Lifetime Free (LTF) with zero annual fee and zero joining fee. Every rupee earned through UPI transactions represents pure net savings.

Pros & Cons

Pros

100% Lifetime Free (LTF) virtual credit card with zero annual or renewal charges.
Earn up to 2 Kiwis per ₹100 spent via UPI scan-and-pay (1 Kiwi = ₹0.25, giving up to 0.5% - 1% return).
Instant virtual issuance through the Kiwi mobile app within minutes.
Direct cashback payout credited into your linked bank account.

Watchouts & Cons

Peer-to-peer (P2P) transfers to friends and family do not earn rewards; cashback applies strictly to merchant QR codes (P2M).
Reward rate is modest compared to paid tier credit cards.
No airport lounge access or travel benefits.

CardSe Verdict

The Kiwi RuPay Credit Card is an ultra-convenient, zero-cost digital tool for replacing UPI debit card payments with credit card cashback. For routine vegetable, grocery, and local merchant payments, it delivers reliable returns with zero financial downside.

Editorial Independence & Affiliate Disclosure: All recommendations on CardSe are created independently by our research team. We do not accept sponsorship to promote specific cards. We may receive an affiliate commission from card networks or banks if you apply through links on our site, at no cost to you.

Detailed Card Parameters

Joining/Annual Fee	Free
Welcome Benefit	-
Annual Fee Waiver Spends	-
Domestic Lounge Visits	-
Spends for Lounge	-
Offline Spends	1%
Online Spends	1%
Notes	Earn 2 Kiwis per ₹100 spent via UPI scan and pay. 1 Kiwi = ₹0.25.

Frequently Asked Questions

What is the value of 1 Kiwi on the Kiwi RuPay Card?: 1 Kiwi point is worth ₹0.25. Points can be redeemed instantly as real cash credited directly into your savings bank account.
Can you use the Kiwi card for sending money to friends?: No. The Kiwi RuPay Credit Card can only be used for merchant payments (P2M). You cannot use it to transfer funds to personal bank accounts or friend phone numbers.
How do you link the Kiwi RuPay card to UPI?: Once approved, the Kiwi virtual RuPay credit card can be linked directly inside the Kiwi app, Google Pay, PhonePe, or Paytm by selecting Credit Card on UPI.
Is there any joining or annual maintenance fee for Kiwi RuPay?: No. The Kiwi RuPay Credit Card is 100% Lifetime Free (LTF) with zero joining and annual fees.