Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0 (Lifetime Free)
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime Free - no annual fee
Spend waiverLifetime Free
Interest rate3.75% per month
Late paymentAs per AU Small Finance Bank standard schedule
Forex markup3.5% + GST (RuPay card - limited international acceptance)
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month (Kiwi app required)
Credit score700
Rewards & cashback
Accelerated rate0.5% base cashback on all spends; with Kiwi Neon: up to 5% on UPI transactions; fuel surcharge waiver included
Cashback %0.5% base cashback; up to 5% with Kiwi Neon subscription
Cashback capCashback credited instantly for base; milestone cashback within 30 days of month end (Neon)
Redemption optionsDirect cashback to linked bank account via Kiwi app
Welcome bonusNil
Travel & lounge
Domestic loungeUp to 3 complimentary domestic lounge visits/year for Kiwi Neon members (1 per milestone: INR 50K, INR 1L, INR 1.5L UPI spends); no base lounge access
International loungeNo international lounge access
Lounge conditionsKiwi Neon members only: 1 domestic visit per spend milestone (INR 50K, INR 1L, INR 1.5L annual UPI transactions)
Lifestyle
Fuel surcharge1% fuel surcharge waiver via RuPay network
AdditionalUPI-enabled RuPay credit card via Kiwi app; works on PhonePe, Google Pay, Paytm, BHIM; 0.5% base cashback + fuel surcharge waiver; Kiwi Neon subscription (INR 999/year) unlocks up to 5% cashback + lounge; instant virtual card with digital onboarding
Credit limit & EMI
Default limitINR 50000
Max limitINR 300000
EMI conversionYes
Balance transferNo
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresKiwi App: digital payments, spend tracking, cashback management, card controls
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available