Kiwi Credit Card Review: Best UPI Credit Card in India | Virtual Card Benefits | No Annual Fee | Cashback Rewards | Instant Approval 2025
Choosing the best credit card in India 2025 can feel overwhelming with so many options available.
Whether you’re looking for a virtual credit card or a credit card with no annual fee, the right choice depends on your needs.
This article dives into the Kiwi Credit Card, a popular choice for instant credit card approval India users seek.
It’s designed for convenience, rewards, and online shopping. We’ll explore Kiwi Credit Card benefits, eligibility, and how it stacks up against competitors like OneCard.
So let’s get started.
Why Consider a Credit Card in 2025?
Credit cards are essential tools in India’s fast-growing digital economy as of April 2025. With UPI transactions soaring, RBI approved credit cards like Kiwi integrate seamlessly with daily payments.
They offer cashback, rewards, and flexibility for online shopping India loves. Virtual cards, in particular, provide security and instant access, making them ideal for modern users.
Whether you want a low interest credit card India offers or a card with no annual fees, 2025 is the year to explore options.
The Kiwi app credit card stands out for its unique features, catering to both beginners and frequent spenders.
What is the Kiwi Credit Card?
The Kiwi Credit Card is a virtual credit card India embraced for its simplicity and rewards.
Launched by Kiwi, a fintech platform, it’s a RuPay card linked to UPI, partnered with RBI-approved Yes Bank & Axis Bank.
Unlike traditional cards, there’s no physical version—perfect for those debating virtual card vs physical card.
You get instant access via the Kiwi app login after approval. It’s marketed as a lifetime-free card, meaning no joining or annual Kiwi Credit Card charges.
This makes it a top contender for the best credit card in India 2025, especially for digital-first users.
Key Kiwi Credit Card Benefits
The Kiwi Credit Card offers features that appeal to many in 2025. Here’s what you get:
• Kiwi Credit Card Cashback: Earn up to 5% cashback on UPI spends (base rate 1%, higher with milestones or Neon subscription).
• Instant Issuance: Get a Kiwi virtual credit card instantly after KYC, ideal for instant credit card approval India seekers.
• No Fees: It’s a credit card with no annual fee India loves—lifetime free.
• Milestone Rewards: Spend Rs 50,000+ annually for lounge access and bonus cashback.
• UPI Integration: Use it on any UPI app for seamless payments.
These perks make it a strong credit card for online shopping India users rely on.
Kiwi
5 reasons why you should consider the Kiwi Credit Card in 2025
Reason #1 – Unmatched Cashback on UPI Transactions
UPI has revolutionized payments in India, with over 320 million merchant touchpoints as per RBI data.
The Kiwi Credit Card taps into this trend, offering impressive cashback on UPI spends. Users get a 1% base cashback, which can rise to 5% with the Neon subscription (Rs.999/year, often waived for early adopters in 2025).
Unlike traditional cards like Tata Neu Infinity credit card (1.5% NeuCoins), Kiwi provides real cashback credited directly to your bank account.
For someone spending Rs.1.5 lakh annually via UPI, that’s Rs.7,500 back—perfect for online shopping or small merchants.
Apply now to unlock this cashback potential with the Kiwi app credit card.
Reason #2 – Lifetime Free with No Hidden Costs
Credit card fees can be a burden—joining fees, annual charges, and hidden costs add up. The Kiwi Credit Card eliminates this worry with its lifetime free promise.
There’s no joining fee or annual fee, making it one of the best credit cards with no annual fee in India.
Compare this to Axis Bank cards, where fees are often waived only conditionally. For salaried individuals earning at least Rs 3 lakh annually, Kiwi offers a cost-effective option with no catches.
This simplicity surprises many in a market full of fine print. Visit gokiwi.in to apply for the Kiwi Credit Card and enjoy zero-fee benefits.
Reason #3 – Instant Virtual Card Issuance
In 2025, virtual credit cards are booming, with 20% of new cards being digital, per Kiwi’s insights.
The Kiwi virtual credit card shines here with instant issuance. Download the Kiwi app, complete KYC, and get your RuPay card in minutes—no waiting for physical delivery like traditional cards.
This speed is a game-changer for instant credit card approval in India, ideal for urgent online shopping or travel bookings.
Plus, it’s secure—no physical card to lose—and works on any UPI app like Google Pay.
Curious? Apply online for the Kiwi Credit Card and experience this convenience firsthand.
Reason #4 – Milestone Rewards That Actually Deliver
Milestone rewards are rare among UPI-linked credit cards, but Kiwi Credit Card rewards surprise with their value.
Spend Rs.50,000 annually, and you get 3% cashback plus one lounge access; hit Rs.1 lakh, it’s 4% and another lounge visit; at Rs 1.5 lakh, enjoy 5% cashback and a third lounge pass.
These perks, credited after 30 days, outshine vague “points” systems from competitors. For example, Rs.1.5 lakh spent yields Rs 7,500 cashback and lounge visits worth Rs 3,000+.
Frequent travelers or big spenders will love this. Check Kiwi Credit Card offers April 2025 and apply now to start earning.
Reason #5 – Seamless Integration with Everyday Life
With UPI handling Rs 3.2 lakh crore in monthly P2M transactions (NPCI data), the Kiwi Credit Card integrates effortlessly into India’s payment ecosystem.
It works across all UPI apps, supports payments as low as Rs.5, and even offers cashback on non-credit UPI spends via the app.
It’s a top credit card for online shopping India and daily needs like groceries or rent (where allowed).
Log in to the Kiwi app to manage limits and enjoy clean statements. Apply for the Kiwi Credit Card online and simplify your finances.
Kiwi Credit Card vs OneCard Comparison
How does Kiwi stack up against OneCard, another virtual card? Here’s a table comparing them:
Feature | Kiwi Credit Card | OneCard |
Type | Virtual RuPay | Virtual Visa/Mastercard |
Annual Fee | None (Lifetime Free) | None (Lifetime Free) |
Cashback | Up to 5% on UPI | 1–5% points on spends |
| Issuance | Instant via app | Instant via app |
| Credit Limit | Based on profile | Based on profile |
| UPI Support | Yes | No |
Kiwi Credit Card limits depend on your income and credit score, similar to OneCard. Kiwi’s UPI edge makes it unique for 2025’s payment trends.
Card Comparison Chart & Overview
Virtual Card vs Physical Card: A Quick Comparison
Feature | Virtual Card (Kiwi) | Physical Card |
Issuance Time | Instant (minutes) | Days to weeks |
Security | No physical loss risk | Can be lost/stolen |
Usage | Online/UPI payments | Online + offline POS |
Availability | Immediate after approval | Delayed delivery |
Virtual Card vs Physical Card: Why Kiwi Wins
The virtual card vs physical card debate is big in 2025. Kiwi’s virtual-only approach offers:
• Security: Kiwi Credit Card security features include no physical card to lose and OTP-based transactions.
• Convenience: No waiting for delivery—use it instantly.
• Flexibility: Works on all UPI apps, unlike many physical cards.
Physical cards suit in-store swipes, but for online shopping India dominates, Kiwi’s virtual nature shines. It’s a low interest credit card India option too, with competitive rates.
How to Get Kiwi Credit Card?
Wondering how to get Kiwi Credit Card? It’s straightforward.
Follow these steps to Kiwi Credit Card apply online:
1. Download the Kiwi app from Google Play or App Store.
2. Complete Kiwi app login with your mobile number.
3. Submit KYC details (Aadhaar, PAN, income proof).
4. Get instant approval and access your Kiwi virtual credit card.
The Kiwi Credit Card apply now process takes minutes, making it a top pick for instant credit card approval India. No physical card means you start using it right away for online or UPI payments.
Kiwi Credit Card Eligibility
To apply for Kiwi Credit Card, you need to meet basic requirements. Here’s the Kiwi Credit Card eligibility breakdown:
- Age: 21–60 years.
- Income: Minimum Rs 3 lakh annually (salaried or self-employed).
- Credit Score: Above 650 for smoother approval.
- Residency: Indian residents only.
The process is digital via the Kiwi app credit card platform. Submit KYC documents (Aadhaar, PAN) and get approved fast.
This simplicity suits those seeking a credit card for beginners India offers, though a decent credit score is key.
Kiwi
Kiwi Credit Card Rewards & Offers
The Kiwi Credit Card rewards system is a highlight. You earn:
• Base Cashback: 1% on all UPI spends.
• Milestone Boost: 3–5% cashback on hitting spend targets (e.g., Rs 50,000/year).
• Lounge Access: 3 free visits annually on milestones.
• Kiwi Credit Card Offers: Check the app for seasonal deals (e.g., extra cashback on e-commerce).
Kiwi Credit Card referral benefits also add value—invite friends and earn bonuses. Cashback credits directly to your bank, not points, making it practical.
Pros & Cons of Kiwi Credit Card
Here’s a balanced look at Kiwi Credit Card pros and cons:
Pros
- Lifetime free with no Kiwi Credit Card charges.
- High cashback on UPI transactions.
- Instant issuance for quick use.
- Strong Kiwi Credit Card security features.
Cons
- Limited to virtual use—no physical card option.
- Higher cashback tiers require spending thresholds.
- Kiwi Credit Card customer support can be slow (email: service@gokiwi.in).
It’s a solid pick, but not perfect for everyone.
Kiwi Credit Card Customer Support & Security
Kiwi Credit Card customer support is app-based with email backup (service@gokiwi.in). Response times vary, so plan ahead for queries. Security-wise, it’s robust:
- OTP authentication for every transaction.
- No physical card reduces theft risk.
- RBI partner bank (Yes Bank & Axis Bank) ensures compliance.
The Kiwi Credit Card India sign-up process is secure, requiring verified KYC. It’s a safe bet for digital users in 2025.
Conclusion: Is Kiwi the Best Credit Card for You?
The Kiwi Credit Card shines as a virtual credit card India offers in 2025. With no annual fees, instant approval, and UPI cashback, it’s a top credit card for online shopping India users.
Beginners and frequent spenders alike benefit from its simplicity and rewards. Compared to OneCard, its UPI focus sets it apart.
If you want a low interest credit card India provides with modern perks, Kiwi Credit Card apply now via the app. It’s not flawless, but for digital-first users, it’s a strong contender.
Also Read:
• 2 Best Cheapest Website Hosting for Small Business in India
Frequently Asked Questions
A: To apply for Kiwi Credit Card, download the Kiwi app, complete KYC with Aadhaar and PAN, and get instant approval. The process takes about 5–10 minutes. Or you you can apply from the above given links.
A: Yes, the Kiwi Credit Card has no joining or annual fees, making it lifetime free with no hidden charges.
A: You need to be 21–60 years old, have a minimum income of Rs 3 lakh per year, and a credit score above 650.
A: Yes, it integrates with any UPI app like PhonePe, Google Pay, or Paytm for seamless payments.
A: You get 1% base cashback on UPI spends, up to 5% with milestones or a Neon subscription.
A: Yes, with OTP authentication and no physical card, it’s secure for online shopping and UPI transactions.
A: The limit depends on your income and credit score, typically starting at Rs 50,000 for eligible users.
A: No, it’s a virtual-only card, designed for digital payments via UPI or online platforms.
A: Yes, you can earn bonus cashback by inviting friends to sign up through your referral link.
