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Kiwi YES Bank RuPay Credit Card
Fintech Cards · YES Bank

Kiwi YES Bank RuPay Credit Card

1.5% back on UPI scan & pay

Joining fee₹0
Annual feeLifetime free
NetworkRuPay
Forex markup3.5%
LoungeNone
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026

01Rewards

UPI scan & pay in the Kiwi app1.5%
Other online payments in the Kiwi app0.5% (1% with the ₹49 Boost add-on)
Neon membersHigher milestone cashback

Redemption: Kiwis are cashed to your bank account (min. 500 Kiwis = ₹125).

02Fees, benefits & charges

Fee waiver
Lifetime free (optional Neon membership ₹999 + GST/year)
Airport lounges
Not on the free card (Neon adds milestone lounge visits)
Forex markup
3.5%
Fuel
1% surcharge waiver up to ₹250 (not on UPI fuel payments)
No rewards on
Fuel, utilities, rent, wallet, insurance, education, government, tolls, gift cards, jewellery

03Highlights & watch-outs

Highlights

  • Simple UPI-first card
  • Cashback paid to your bank account

Watch out for

  • Rewards only through the Kiwi app
  • Monthly rewards capped at 1% of your credit limit
  • Forex raised to 3.5% in Jun 2026

Suits: People who pay mostly by scanning UPI QR codes.

04FAQs

What is the annual fee of the Kiwi YES Bank RuPay Credit Card?
The Kiwi YES Bank RuPay Credit Card is lifetime free — there is no joining or annual fee.
Does the Kiwi YES Bank RuPay Credit Card offer airport lounge access?
Not on the free card (Neon adds milestone lounge visits)
What is the forex markup on the Kiwi YES Bank RuPay Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Kiwi YES Bank RuPay Credit Card?
Fuel, utilities, rent, wallet, insurance, education, government, tolls, gift cards, jewellery.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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