If you’re looking for a credit-card experience that fits the new digital India — one where you scan a QR, pay instantly, and still earn rewards — the Kiwi virtual RuPay credit card may be just the ticket. With UPI integration, lightweight onboarding and cashback offers, this card is built for everyday transactions, not just big ticket spends.
Kiwi Credit Card: At a Glance
| Feature | Details |
|---|---|
| Card Type | Virtual RuPay credit card linked to UPI via Kiwi app (Kiwi – UPI with Credit Card) |
| Joining & Annual Fee | ₹0 (free for life) |
| Cashback / Rewards |
|
| Other Perks | Free airport lounge access and offers on top brands |
| Eligibility & Onboarding | Virtual card via Kiwi app; instant issuance claims. Link to Apply |
| Usage Focus | Everyday payments: groceries, coffee, UPI scans, local vendors (scan & pay) |
| Reward Terms / Caps | Monthly cap on “Kiwis” (reward points) tied to credit limit; exclusions apply |
Who Should Use Kiwi Credit Card?
This card is best suited for:
- Young professionals or students who use UPI frequently (scan & pay)
- People with moderate monthly spends (groceries, coffee, rides, bills) rather than big travel/luxury spends
- Gig workers & freelancers using payments apps/UPI for transactions
- Anyone wanting a fee-free credit card with minimal frills and decent rewards for daily usage
Not ideal for: large travel spends, premium lounge access focus, or big high-end reward structures (these may be better served by premium traditional cards).
For Best Zero Forex Mark-up Credit Cards, check out details here
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Why Kiwi Credit Card Might Be a Smart Pick!
True “everyday” credit card: When you buy coffee, pay rent, scan a QR at a kirana, Kiwi gives you reward points (called “Kiwis”) — turning small spends into savings.
No annual or joining fee: Makes it ideal for users who don’t want overhead.
UPI + Credit Combo: With UPI-enabled credit, you don’t always need a plastic card at checkout — fast and convenient.
Works for gig-workers, freelancers, side hustlers: If you’re working via PickMyWork, handling payments, helping merchants etc., this kind of everyday-card fits the cashflow model.
Instant issuance: Virtual card means you start using it quickly, reducing wait times.
How to Apply via PickMyWork & Earn Too
You can directly apply online via the Kiwi Credit Card Website
Or at PickMyWork, you don’t just help others discover good credit-cards — you earn by referring them.
Steps:
- Download the PickMyWork app
- Sign-Up with Mobile Number (no investment)
- Promote the Kiwi Credit Card – You will find it in the Credit Card Section or Click on this Link
- Earn incentives for each successful activation
Ready to apply or start earning? Download the PickMyWork app now!
Great for gig workers in Tier 2/3 cities: everyday payment tools + referral income = win-win.
If your spend profile is consistent but moderate, with frequent UPI payments, small retail spends, and you want a credit-card without the burden of fees — Kiwi is a solid pick. It aligns with the digital payment habits of today’s India: fast, mobile-first, reward-enabled.
And with PickMyWork, you can turn that usage into income by referring others — making Kiwi not just a smart card for you, but a smart product to share.
FAQs About Kiwi Credit Card
Q1. Is Kiwi really free for life?
Yes — according to their app and store listings, there are no joining or annual fees.
Q2. What kind of rewards / cashback can I expect?
Rewards (“Kiwis”) vary depending on transaction type: e.g., 1%–1.5% for scan & pay via card on UPI; ~0.5% for some online transactions. Caps and terms apply.
Q3. Can I use the card everywhere?
The virtual RuPay credit card is UPI-linked, so you can use it via UPI QR, online merchant payments, possibly offline where RuPay is accepted. But check merchant acceptance.
Q4. How do I redeem my rewards?
“Kiwis” become redeemable for cash into your linked savings account, subject to minimum redemption and other terms.
Q5. What about hidden costs or limitations?
While there’s no fee, ensure you’re aware of credit-limit, payment due dates, caps on rewards, and excluded categories (fuel, etc.) as per terms.
