Honesty
Honesty is the baseline. Finance makes money from fine print. We don't.
We're not just another UPI Credit Card. We're on your side.
We realised that most credit cards weren't really built for people like us. The reward systems? Confusing, gated, barely worth it for most people to understand.
This card for hotel points. That card for airline miles. Another one for the golf course. Every card rewarding a life most of us don't actually live everyday.
So we set out to fix that. And UPI was the obvious place to start — everyone was using it, everyone loves it. So we did the thing nobody had done: we put a credit card behind UPI by collaborating with banks.
Simple cashback, real money, on UPI payments.
We're not just another UPI Credit Card. We're on your side.
We realised that most credit cards weren't really built for people like us. The reward systems? Confusing, gated, barely worth it for most people to understand.
This card for hotel points. That card for airline miles. Another one for the golf course. Every card rewarding a life most of us don't actually live everyday.
So we set out to fix that. And UPI was the obvious place to start — everyone was using it, everyone loves it. So we did the thing nobody had done: we put a credit card behind UPI by collaborating with banks.
Simple cashback, real money, on UPI payments.
What we stand for
It is what's before the product and behind our every choice.
Ease
Most apps make you learn their rules. We make it all to fit your everyday.
Simplicity
Simple app, simple rewards. No Loopholes. No decoding needed.
Honesty
Honesty is the baseline. Finance makes money from fine print. We don't.
Ease
Most apps make you learn their rules. We make it all to fit your everyday.
Simplicity
Simple app, simple rewards. No Loopholes. No decoding needed.
Leading from the front
A small team of fintech veterans who've spent decades in cards & payments.
Anup Agrawal
Co-Founder & CEO
Ex-CEO of LazyPay with over a decade of senior leadership in consumer credit — across InCred, Standard Chartered & Citigroup. At Kiwi, he leads vision and operations with one focus: making credit work for the UPI generation.
Siddharth Mehta
Co-Founder, COO & CFO
Ex-MD & CEO of FreeCharge with 20+ years in cards and payments. Oversees operations, finance, customer support, and compliance at Kiwi — with a long-held belief that credit needs to meet people where they already are.
Sumeet Basrani
CBO
15+ years across CRED, OneCard, ICICI Bank, and Visa. Leads Kiwi's growth — taking credit on UPI from early adoption to mainstream scale.
Akshat Kansal
CTO
Leads engineering for the UPI-credit fintech. Before this, he built his career across payments and consumer tech through roles at PayU, Embibe, YourDost and Babajob.com.
Backed by the best
