Apply for a RuPay Credit Card Online – Lifetime Free & Earn Cashback on UPI
Pay with your credit card on UPI. Get cashback on eligible merchant UPI transactions every time you scan and pay online. Lifetime free. No joining fee. No annual fee. Apply for a credit card on UPI online – 100% digital, no bank visit.
Apply Now – Get Lifetime Free Card
Why Apply for a Credit Card via Kiwi?
- Lifetime free – Zero joining fee, zero annual fee on Kiwi RuPay credit cards
- Earn cashback on eligible UPI spends – Scan and pay at any merchant QR or online and get cashback on eligible transactions
- 100% digital process – Apply from your phone in minutes, no bank visit needed
- RuPay + UPI – Link your card to any UPI app and pay at 10 crore+ merchant QR codes
- App-based control – Track cashback, transactions, and rewards in the Kiwi app in real time
- Trusted platform – 30L+ customers across 586+ cities in India – salaried professionals, students, and first-time credit card holders – use Kiwi daily for groceries, food delivery, utility bills, and everyday merchant QR payments.
Credit Cards You Can Apply for on Kiwi
PNB Kiwi Credit Card – Best for Daily UPI Payments
One of India’s most rewarding lifetime free RuPay credit card for everyday UPI spenders. Earn min. 1.5% instant cashback on eligible Scan & Pay merchant transactions and 0.5% on eligible online transactions. Zero joining fee, zero annual fee.
Joining: Lifetime Free | Annual: Lifetime Free | Cashback: Min. 1.5% on Scan & Pay | Network: RuPay
Apply for PNB Kiwi Credit Card
Yes Bank Klick Credit Card – Best for UPI & Everyday Payments
Earn rewards on everyday spending – 1.5% cashback on eligible UPI Scan & Pay transactions, plus 0.5% cahback on UPI spends and a 1% fuel surcharge waiver.
Joining: Lifetime Free | Annual: Lifetime Free | Network: RuPay
AU Bank Kosmo Credit Card – Best for Lifestyle Rewards
A RuPay credit card with lifestyle benefits and rewards on eligible spends — 1.5% cashback on eligible UPI Scan & Pay transactions, plus 0.5% cashback on online payments and a 1% fuel surcharge waiver.
Joining: Lifetime Free | Annual: Lifetime Free | Network: RuPay
Apply for AU Bank Kosmo Credit Card
How to Apply – 3 Simple Steps
Step 1 – Download Kiwi App
Download the Kiwi app from Google Play or App Store. Create your account with your mobile number – takes under 2 minutes.
Step 2 – Choose Your Card and Fill in Details
Select the credit card that fits your needs. Fill in your personal and professional details – PAN, Aadhaar, income details. Fully digital.
Step 3 – Complete Video KYC and Get Your Card
Complete Video KYC digitally from your phone. Digital card access is provided upon approval.
Eligibility
| Criteria | Requirement |
| Age | 21 – 60 years |
| Residency | Indian resident |
| Employment | Salaried or self-employed |
| Minimum Income | As per partner bank policy |
| Credit Score | 700+ recommended |
| PAN Card | Mandatory |
Card approval is subject to the partner bank’s credit assessment criteria. Kiwi does not guarantee card issuance.
Documents Required
PAN Card: Mandatory (Original required during Video KYC)
Aadhaar Card: Required for e-KYC
Income Proof (if requested by bank):
• Salaried: Last 3-month salary slips or bank statement
• Self-employed: Latest ITR
Apply Now
Applying for a credit card online has never been simpler. With Kiwi, you get a lifetime free RuPay credit card, a fully digital application process, and the ability to earn cashback on eligible merchant UPI transactions from day one.
30 lakh+ users across India scan and pay at merchant QRs, pay utility bills, order food, buy groceries, and shop online using Kiwi – and have saved money every day through Kiwi payments. Apply for a credit card online in India in minutes and start earning on every eligible scan and pay.
Apply Now – Get Your Lifetime Free RuPay Card
Frequently Asked Questions
1. Can I apply for a credit card online via Kiwi?
Yes. The entire process is digital – from application to Video KYC to card issuance. No branch visit needed. Apply via the Kiwi app in minutes.
2. Are Kiwi credit cards really lifetime free?
Yes – zero joining fee and zero annual fee on Kiwi cards. No spend condition to keep the cards free. Cashback is earned on eligible merchant UPI transactions as per applicable offer terms.
3. How do I apply for a RuPay credit card on UPI online in India?
Download the Kiwi app, select the card that fits your needs, fill in your details, and complete the online Video KYC. Once approved, your virtual RuPay card is instantly ready to be linked with UPI.
4. How long does it take to get the card?
Digital card access is provided upon approval. Physical card delivery typically takes 7-10 working days. Approval is subject to the partner bank’s credit assessment.
5. Is my data safe when applying via Kiwi?
Yes. Kiwi is PCI DSS, CISA, ISO, and SISA certified and follows RBI-compliant data security standards. UPI transactions use UPI PIN authentication – your CVV and OTP are never shared during payments.
