CardComparison.in
๐Ÿ  Home
๐Ÿƒ All Cards
โ‡„ Compare Cards 0
โš”๏ธ Card vs Card NEW
โ™ฅ My Wishlist
๐Ÿ“ Card Guides & Tips
Compare:
+ Add a card
+ Add a card
+ Add a card
cardcomparison.in
Last updated: 01-06-2026
Kiwi RuPay Credit Card
Federal Bank

Kiwi RuPay Credit Card

"India's UPI rewards specialist โ€” 1% assured cashback on all UPI credit card spends at any linked bank, lifetime free with instant activation"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Users who want to earn cashback on UPI payments made with ANY RuPay credit card โ€” not just the Kiwi card; those who want a dedicated UPI rewards layer on top of their existing credit card
๐ŸŽ Reward Type
Cashback (credited to Kiwi wallet; 1% on all UPI spends; additional rewards on partner brands)
๐ŸŽ‰ Welcome Benefit
โ‚น100 cashback on first UPI transaction via Kiwi app
๐Ÿ’ฐ Reward Rate
1% cashback on all UPI credit card spends linked via Kiwi app โ€” works with any RuPay credit card from any bank; additional 2% to 5% on select partner brands and categories; cashback credited to Kiwi wallet; monthly cap of โ‚น500 on base 1% cashback
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
๐Ÿ’ต Cashback Rate
1% on all UPI spends (capped โ‚น500 per month); 2% to 5% on partners
โญ Rate this Card
Click to rate
โœ… Pros
  • 1% cashback on ALL UPI spends โ€” unique UPI rewards specialist
  • Works with any RuPay credit card from any bank โ€” not just Kiwi's own card
  • Lifetime free
  • Instant digital card
  • Additional 2% to 5% on partner brands
  • โ‚น100 welcome cashback
  • Good companion card to stack UPI rewards
โŒ Cons
  • 1% cashback capped at โ‚น500 per month
  • Relatively new fintech โ€” verify current terms
  • No lounge access
  • No fuel surcharge waiver
  • Not useful for non-UPI transactions
  • Limited to RuPay network (UPI only)

๐ŸŽ Rewards & Benefits

Reward Type
Cashback (credited to Kiwi wallet; 1% on all UPI spends; additional rewards on partner brands)
Welcome Benefits
โ‚น100 cashback on first UPI transaction via Kiwi app
Reward Rate
1% cashback on all UPI credit card spends linked via Kiwi app โ€” works with any RuPay credit card from any bank; additional 2% to 5% on select partner brands and categories; cashback credited to Kiwi wallet; monthly cap of โ‚น500 on base 1% cashback
Reward Redemption
Kiwi wallet: withdraw cashback to bank account; use for bill payments; redeem at partner merchants
Fuel Surcharge Waiver
No fuel surcharge waiver
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
No formal milestones; continuous earning
Other Benefits
Works as a UPI rewards layer on ANY RuPay credit card from any bank โ€” unique proposition; link your existing HDFC, ICICI, SBI, Axis RuPay credit card on Kiwi and earn additional 1% on all UPI spends; issued by Federal Bank; instant digital card; real-time spend tracking; Kiwi app with rewards dashboard

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on unauthorized transactions
Add-on Cards
Not available
Concierge Services
Details coming soon
Special Offers
1% on all UPI via any RuPay CC; 2% to 5% on partner brands; works as add-on rewards layer

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
As per Federal Bank prevailing rates
ATM Cash Withdrawal / Cash Advance
Not applicable โ€” UPI-focused card
Late Payment Charges
As per Federal Bank prevailing terms
Over Limit Charges
As per Federal Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
1% cashback capped at โ‚น500 per month (= โ‚น50,000 spend to max out); partner cashback has separate caps; Kiwi is a relatively new fintech โ€” verify current terms and longevity; Federal Bank as issuer

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; Indian resident; apply via Kiwi app; PAN and Aadhaar required
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and Federal Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available via Kiwi app
Balance Transfer Facility
Not available
Balance Transfer Interest Rate
Not applicable
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant lock via Kiwi app
Instant Fraud Alerts
Real-time notifications
Purchase Protection
Zero liability on unauthorized transactions
Virtual Card Numbers
Instant virtual card on approval
Zero Liability Protection
Zero liability on reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
Kiwi support via app
Chat / Email Support
In-app chat via Kiwi app; email support
Mobile App
Kiwi app: link any RuPay CC, track UPI rewards, redeem cashback, manage card
Online Banking
Managed via Kiwi app

Last updated: 01-06-2026

โญ User Reviews

Leave a Reply

Your email address will not be published. Required fields are marked *

7 + 7 = ?

๐Ÿƒ Related Cards You Might Like

ยฉ 2026 CardComparison.in โ€” All rights reserved.
Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
cardcomparison.in