Kiwi Credit Card: Your UPI Credit Made Simple

Boost your digital wallet with a credit line that lives right inside your UPI app. No plastic card, no extra apps—just seamless, tap-to-pay convenience. In this Kiwi Credit Card review, we’ll walk you through how the Kiwi Credit Card works, highlight its top benefits, and show you exactly how to apply online in just a few minutes.

The Kiwi Credit Card brings a virtual credit line right into your favorite UPI app—no plastic card required. After a quick signup (“Credit on UPI”), you get an instant Rupay virtual card that lets you choose credit at checkout and pay back via UPI. The service is NPCI-certified, encrypted for security, and tailored to your spending habits with personalized credit limits and real-time alerts.

How the Kiwi Credit Card Works

1. Sign up in seconds
   • Open your favorite UPI app (like Google Pay or PhonePe).

   • Tap on “Credit on UPI.”

   • Share a few basic details—name, mobile number, and PAN.

2. Choose credit at checkout
   • When you pay, select “Credit” instead of your wallet balance.

   • The app creates a virtual Rupay card on the fly.

   • You get an instant mini credit line for your purchase.

3. Pay back smoothly
   • Settle your outstanding balance through UPI before the due date.

   • Keep your credit cycle rolling to maintain spending power.

This “Credit on UPI” service is certified by the National Payments Corporation of India (NPCI). Kiwi securely issues a virtual Rupay card inside your UPI app, so every transaction is encrypted and safeguarded—no plastic card means no risk of it being lost or stolen.

Why Choose the Kiwi Credit Card?

Digital lending has never been friendlier. Here’s what makes this UPI credit card stand out:

• Mobile-First Experience
  Manage your credit line right where you pay—no extra logins or cards to juggle.

• Flexible Payments
  Instantly switch between paying with your wallet balance or tapping into your Kiwi credit line.

• Tailored Credit Limits
  Get a credit limit based on your history and spending habits. No cookie-cutter amounts here.

• Instant Alerts
  Real-time notifications let you track every rupee you spend, helping you stay on top of your budget.

Quick Benefits You’ll Love

Kiwi packs in perks that make everyday spending more rewarding:

• Up to 5% Real Cashback
  • Earn 2% back on all UPI transactions.

  • Get 0.5% back on every online purchase.

  • Hit ₹50,000 in annual spending? That unlocks 3% cashback on the next slab.

  • At ₹100,000 spent, you’ll earn 4% back.

  • Spend more than ₹150,000 in a year, and you’ll snag the full 5% bonus.

• Lifetime-Free Card
  • No joining fee.

  • No annual fee.

  • Ever.

• Free Domestic Lounge Access
  • Spend ₹50,000 a year to earn one lounge pass.

  • Spend ₹100,000 to get two passes.

  • Spend ₹150,000 or more to enjoy three passes.

Every UPI payment becomes a chance to earn rewards. Whether you’re paying a friend, buying groceries, or shopping online, your credit line is working for you.

Simple Steps to Apply Online

Getting your Kiwi Credit Card benefits is quick and painless:

1. Open your UPI app

2. Tap “Credit on UPI” in the menu

3. Enter KYC details—PAN and a quick selfie

4. Link a bank account for repayments

5. Wait for instant approval (usually within seconds)

6. Use your virtual Rupay card right away

No paperwork. No waiting weeks for a physical card. It’s credit, instant and digital.

Eligibility & Charges

Before you apply, make sure you meet Kiwi’s simple requirements:

• Age: 25 to 60 years

• Credit Score: 720+ CIBIL

• Employment: Salaried only

• Minimum Income: ₹3 lakhs per year

• Fees: Completely free—no joining or annual charges

Knowing these details upfront means you can glide through the approval process without surprises.

FAQ

Q: Is the Kiwi Credit Card safe to use?
A: Absolutely. Kiwi uses UPI’s end-to-end encryption and Rupay’s secure network to protect every transaction.

Q: How do I apply for the Kiwi Credit Card?
A: Open your UPI app, tap “Credit on UPI,” fill in a few KYC details, and you’re approved instantly.

Q: What are the top Kiwi Credit Card benefits?
A: Up to 5% cashback on UPI and online spends, lifetime-free membership, and free domestic lounge passes when you hit annual spending milestones.

Q: Who runs the Kiwi Credit Card platform?
A: Kiwi is founded by Siddharth Mehta, Mohit Bedi, and Anup Agarwal—veterans in digital finance.

Conclusion

The Kiwi Credit Card brings the power of a credit card right into your UPI wallet—no plastic, no extra apps, just a virtual Rupay card you can use in a tap. With standout benefits like up to 5% cashback, lifetime-free status, and free lounge passes, it’s a smart way to handle everyday expenses. Best of all, the whole process takes minutes: open your UPI app, apply, and start spending. Ready to boost your digital payments? Head to your UPI app now and apply for the Kiwi Credit Card—you’ll wonder how you ever managed without it!