YES Bank Kiwi Credit Card
A lifetime free RuPay credit card offering cashback on UPI spends.
Overview
The YES Bank Kiwi Credit Card is a RuPay-based credit card issued in partnership with the Kiwi app. It is designed primarily for UPI-linked transactions, allowing users to earn cashback on QR code and UPI ID payments. This digital-first card is ideal for users who frequently make everyday payments via UPI and prefer a simple cashback structure.
Features & Benefits
Joining & Renewal Benefits
Occasional milestone-based cashback offers via Kiwi promotional campaigns.
No renewal fee applicable as the card is lifetime free.
Cashback & Rewards
- • Earn cashback on eligible UPI spends
- • Tier-based reward structure within the Kiwi app
Cashback is adjusted in the credit card statement or credited as reward balance within the Kiwi ecosystem, as per the prevailing structure.
Lifestyle Benefits
- • RuPay credit card usable on UPI
- • Instant digital card issuance
- • Spend tracking and management via Kiwi app
As per YES Bank standard fuel surcharge waiver terms and conditions.
Approximately 3.5% forex markup fee on international transactions.
Fees & Charges
- • Lifetime free card
- • Cashback on UPI transactions
- • Fully digital application process
- • Limited premium lifestyle benefits
- • Cashback caps may apply
- • No airport lounge access
- • Wallet loads
- • Rent payments
- • Certain government and quasi-cash transactions
- • Cashback subject to monthly caps
Currently limited; primarily a digital-first card with restricted add-on card support.
- • Indian resident
- • Age 21+ years
- • Valid KYC and credit profile as per YES Bank guidelines