Kiwi RuPay Credit Card (YES Bank Klick) review
Worth getting if you pay at shops by scanning UPI QR codes, since it turns those payments into 1.5% back at no cost. If you mostly shop online or pay bills, its 0.5% rate is weak, so pair it with a better card.
Fees
Lifetime free. Forex markup 3.5%.
Rewards
1 Kiwi = ₹0.25. Kiwis are redeemed to your bank account in blocks of 500 (₹125).
- Online shopping: 0.5% – 0.5% on online payments
- Fuel: 0%
- Bills: 0%
- Rent: 0%
- Insurance: 0%
- Education: 0%
- UPI with a credit card: 1.5% – 6 Kiwis per ₹100 (1.5%) on UPI scan-and-pay in the Kiwi app, earned only on whole ₹100 blocks. The optional Kiwi Neon membership (₹999 a year) raises this to 2%, rising in steps up to 5% once your yearly UPI spend reaches ₹1.5 lakh.
- Everything else: 0.5%
On a typical spending pattern this card gives back about ₹2,340 a year.
What’s good
- Free for life, a virtual RuPay credit card you use through UPI scan-and-pay
- 1.5% back on UPI QR payments at shops, which most cards don't reward
- Optional Neon plan can push UPI rewards up to 5% for heavy UPI users
- Quick digital application in the Kiwi app
What’s not
- Only 0.5% on online payments and little on anything else
- Kiwis are earned only on full ₹100 blocks, so small payments earn little or nothing
- Monthly Kiwis are capped at 1% of your credit limit
- Bills, fuel, rent, insurance and education earn nothing
Lounge access
Domestic: None on the free card. Kiwi Neon members get a few milestone-based visits.. International: None.