Last updated: |Data verified from official bank sources
Entry
Kiwi RuPay Credit Card
Yes Bank
Best for: Heavy UPI users (₹1.5L+/month)
FREE
Annual Fee
1.5%
Reward Rate
N/A
Forex Markup
3/year with Neon
Domestic Lounge
None
Intl Lounge
Best for: Heavy UPI users (₹1.5L+/month)
Things to Watch Out For
- •Virtual card only initially
Fees & Charges
Joining FeeFREE
Annual FeeFREE
Rewards
TypePoints
Base Rate1.5% on UPI, 0.5% online
Effective Return1.5%
Accelerated Categories
UPI with Neon (₹999/yr)5% (5%)
Lounge Access
Domestic3/year with Neon
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Reward Exclusions
TelecomUtilitiesRentFuelInsurance
Spends in these categories won't earn reward points
Available on: RuPay
Frequently Asked Questions
What is the annual fee for Kiwi RuPay Credit Card?▼
Kiwi RuPay Credit Card is a lifetime free card with no annual fee.
What rewards does Kiwi RuPay Credit Card offer?▼
Kiwi RuPay Credit Card offers 1.5% on UPI, 0.5% online on all spends, with an effective value of 0.375%.
Does Kiwi RuPay Credit Card have lounge access?▼
Yes, Kiwi RuPay Credit Card offers 3/year with Neon domestic lounge visits per quarter.
What is the minimum income required for Kiwi RuPay Credit Card?▼
The minimum income requirement for Kiwi RuPay Credit Card is ₹3.0 lakhs per annum.
Information sourced from Yes Bank official website. Last verified: February 2026.
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