Kiwi's UPI-Enabled Credit Card: A Smarter Way to Use Credit in India
At Financial Health, we're always looking for products that simplify personal finance for users—and Kiwi's RuPay credit card is a strong step in that direction. By combining UPI convenience with the power of credit, Kiwi has addressed some of the most common pain points consumers face with traditional credit cards.
What Makes Kiwi Different?
- Instant Digital Onboarding
Kiwi allows users to apply for a credit card digitally through their app. With video KYC and Aadhaar-based verification, most users can get access to a virtual credit card in minutes—no physical documents or card delivery delays required.
- Works on UPI
Once issued, the card can be linked to Google Pay, PhonePe, Paytm, or used directly via Kiwi's own app. This means users can "Scan & Pay" with UPI, but the money is charged to their credit card instead of a bank account—making it one of the first seamless ways to use credit on UPI.
- Lifetime-Free and Transparent
There are no joining or annual fees, and users enjoy an interest-free period of up to 50 days. This transparency makes it easier for users to manage repayments without hidden surprises.
- Cashback and Rewards
Users earn cashback on eligible UPI transactions. For example, Kiwi offers 1% cashback on QR-code spends. There are even paid plans like Kiwi Neon that offer higher cashback and benefits such as lounge access.
- Full App Control
The Kiwi app provides spend tracking, instant card block/unblock features, credit limit management, and transaction alerts—putting users in full control of their credit.
Should You Apply?
If you're looking for an easier way to start using credit—and want the flexibility of UPI payments—Kiwi is a smart, digital-first option.