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 (45% per annum)
Late paymentAs per issuer (Axis Bank standard)
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 rateWith Kiwi Neon subscription (INR 999/year): up to 5% cashback on UPI transactions; 1.5% on offline Scan & Pay; milestone-based: 5% unlocked after INR 1.5L UPI spend in a year
Cashback %0.5% base (2 Kiwis per INR 100); up to 5% with Neon subscription
Cashback capKiwi Neon: milestone cashback credited within 30 days after month end; base 2 Kiwis: instant credit
Redemption optionsDirect cashback to linked bank account via Kiwi app
Welcome bonusNil (no welcome bonus)
Travel & lounge
Domestic loungeNo lounge access on base card; Kiwi Neon members earn 1 complimentary domestic lounge visit per annual spend milestone (INR 50K, INR 1L, INR 1.5L = max 3 visits/year)
International loungeNo international lounge access (RuPay card)
Lounge conditionsKiwi Neon only: 1 visit per milestone spend (INR 50K, INR 1L, INR 1.5L in UPI transactions); base card has no lounge access
Lifestyle
Fuel surcharge1% fuel surcharge waiver (as per RuPay network)
AdditionalUPI-enabled credit card via Kiwi app; works on PhonePe, Google Pay, Paytm, BHIM; Scan & Pay for offline merchants; virtual card (physical card available on request); 100% digital onboarding; real-time cashback tracking via app; Kiwi Neon optional subscription (INR 999/year) for enhanced cashback
Credit limit & EMI
Default limitINR 50000
Max limitINR 300000
EMI conversionYes
Balance transferYes
Insurance & protection
Purchase protectionYes — purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 3 working days of card loss
Digital & security
ContactlessYes
Virtual cardYes
App featuresKiwi App: transaction tracking, bill payment, cashback redemption, card controls
Card controlsBlock/Unblock Card; Set International Usage; Set Transaction Limits; EMI Conversion; Virtual Card; Spend Tracking
Fraud protectionReal-time SMS/email alerts; AI-based fraud detection; OTP authentication; Tokenisation; 3D Secure
Zero liabilityZero liability if fraud reported within 3 working days; limited liability between 4-7 days
WhatsApp supportYes — Axis Bank WhatsApp Banking
Ideal for
Digital-first users, UPI power users, first-time credit card holders, consumers wanting cashback on offline QR code payments