Fees
Annual feeINR 0 (Lifetime Free; waived on INR 1.5L annual spend)
Joining feeINR 0 (Lifetime Free; physical card INR 499)
Renewal feeINR 750 (waived on INR 1.5L annual spend)
Fee waiverINR 1.5L annual spend
Spend waiverSpend INR 1,50,000 in 12 months
Interest rate3.0-3.5%
Late paymentAs per PNB card schedule
Forex markup3.5% + GST
Cash advance2.5% of amount (min INR 300)
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 15,000/month
Income requirementMin INR 15,000/month; fully digital onboarding
Credit score650+ (CIBIL)
Age range21-60
Employment typeBoth
Resident typeIndian
Rewards & cashback
Accelerated rateUp to 5% via Kiwi Neon subscription (INR 999/year)
Cashback %1.5% on UPI spends; 0.5% on online; direct to bank account
Cashback capMonthly cap per Kiwi Neon program terms
Redemption optionsDirect bank account credit (Kiwis via Kiwi app)
Points expiry12 months
Welcome bonusINR 100 cashback on first transaction (limited period)
Bonus categoriesUPI Scan & Pay at any merchant QR
Travel & lounge
Domestic loungeUp to 3 visits/year via Kiwi Neon subscription milestones
International loungeNo
Lounge conditionsINR 50K / INR 1L / INR 1.5L annual UPI spend milestones via Kiwi Neon
Travel insuranceNo
Insurance coverageNo
Hotel/flight offersNo
ConciergeNo
Forex waiverNo
Lifestyle
Dining benefitsNo dedicated dining benefits
Dining discountsNo
Fuel surcharge1% fuel surcharge waiver on eligible transactions
OTT subscriptionsNo
E-commerce offersNo
ComplimentaryNo
Special offersINR 100 cashback on first ever UPI transaction (limited period)
AdditionalFully virtual card; UPI-native; works on PhonePe, Google Pay, BHIM; instant issuance via Kiwi app; first public sector bank Kiwi partnership
Credit limit & EMI
Default limitINR 10,000-50K
Max limitINR 2L
Cash withdrawal20% of credit limit
EMI optionsNo (virtual card)
EMI conversionNo
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes (INR 0 - virtual card)
Other insuranceNo
Coverage detailsNo
Digital & security
ContactlessYes (UPI QR-based; virtual only)
Virtual cardYes - Instant virtual card via Kiwi app
App featuresFull management via Kiwi app; UPI linking; spend tracking
Card controlsFull via Kiwi app
Fraud protectionYes - real-time fraud alerts
Zero liabilityYes - as per PNB policy
WhatsApp supportYes