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 YES Bank standard schedule
Forex markup3.5% + GST (RuPay card - limited international acceptance)
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month
Credit score700
Rewards & cashback
Accelerated rateFlat 2% cashback on all UPI Scan & Pay transactions; up to 5% with Kiwi Neon subscription milestones
Cashback %2% on UPI Scan & Pay; up to 5% with Kiwi Neon
Cashback capMonthly cashback cap applies; Kiwi Neon milestone cashback retroactive
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 visit per milestone: INR 50K, INR 1L, INR 1.5L UPI spends); no lounge access on base card
International loungeNo international lounge access
Lounge conditionsKiwi Neon members only: 1 domestic visit unlocked 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; works on all UPI apps (PhonePe, Google Pay, Paytm); virtual card with optional physical card; instant approval via Kiwi app; Kiwi Neon subscription (INR 999/year) for up to 5% cashback and lounge access
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
Digital & security
ContactlessYes
Virtual cardYes
App featuresKiwi App: UPI payments, spend tracking, cashback redemption, card controls
Card controlsBlock/Unblock Card; Enable/Disable International; Enable/Disable Online; Set Limits; EMI Conversion
Fraud protectionReal-time transaction alerts; AI fraud detection; OTP authentication; Tokenisation; 24x7 monitoring
Zero liabilityZero liability if fraud reported within 3 working days; limited liability thereafter
WhatsApp supportYes
Ideal for
Digital-first users, UPI enthusiasts, first-time credit card holders, online shoppers