All Cards
rupayclassiccredit
AU Kosmo Credit Card
AU Small Finance Bank
UPIshopping
Annual Fee
FREE
Base Reward
1.5% points
Foreign Markup
3.49%
Interest Rate
3.75% per month
Product Highlights
- Lifetime free credit card
- Can link to UPI apps
- 1% fuel surcharge waiver
- Xpress EMI option for purchases of ₹500 or more
Rewards
Earn Kiwi rewards for spending on UPI, online shopping, and POS transactions. 1.5% cashback on offline UPI spends using the Kiwi App. Premium users get 5% cashback on every purchase.
Redemption
1 kiwi = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
other | 1.5%(1.5% Cashback on Offline UPI Spends) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Kiwi | 5% Cashback for Premium Users | all |
Benefits & Features
1% Fuel Surcharge Waiver (Up to ₹100) for Transactions Between ₹400 and ₹5,000 at All Fuel Stations Across the Country
Fees & Charges
Annual FeeFREE
Foreign Markup3.49%
Interest Rate3.75% per month
Cash Advance2.5%
Eligibility
Available Networks
rupay
Pros & Cons
Pros
- Lifetime free credit card
- Can pay for purchases in EMI using Xpress EMI
Cons
- No high-end benefits such as complimentary airport lounge access
- No travel insurance
- No welcome benefits
Additional Info
This card is suitable for beginners looking for a lifetime free option.
Partner Merchants
Kiwi