Kiwi Boost Membership Programme - Effective from 29th June 2026

This offer is brought to you by Gokiwi Tech Private Limited hereinafter referred to as “Kiwi”.

The Kiwi Boost is a quarterly membership programme available only for select eligible users who have been notified by Kiwi via in-app notification on Kiwi, SMS, email, WhatsApp, or any other communication channel.

Kiwi Boost provides an accelerated cashback benefit on online transactions made using the Credit Card issued via the Kiwi App.

The Cashback is only eligible for online transactions done using the Kiwi app.

Kiwi Boost Membership eligibility: This membership is applicable only to eligible customers who have an active Credit Card issued via the Kiwi App, subject to the eligibility criteria specified by Kiwi from time to time.

Validity: The Kiwi Boost membership is valid for 3 months from the date of activation. Customers can purchase a new Kiwi Boost after expiry, subject to eligibility.

Membership fee: The membership fee for this programme is Rs. 49 + applicable taxes per membership per 3 months.

The Kiwi Boost membership does not auto-renew. Customers will not be charged again after the expiry of the membership unless they choose to purchase a new Kiwi Boost subject to availability.

Membership benefits

As a Kiwi Boost member, the following benefit will be applicable to eligible transactions made using the Kiwi Credit Card through the Kiwi App:

1. For eligible Credit Card transactions:

1. Additional cashback on eligible online transactions:
   1. Total of 1% cashback on eligible online transactions made using the Credit Card through the Kiwi App.
   2. The regular cashback rate on such online transactions is 0.5%. Additional 0.5% will be added post Kiwi Boost activation.
   3. Accordingly, Kiwi Boost provides 2x cashback on eligible online transactions during the membership period.
2. Eligible online transactions may include online shopping, food delivery, travel bookings, subscriptions and other eligible online credit card transactions.
3. Scan & Pay transactions are not eligible for the Kiwi Boost accelerated cashback and will continue to earn the applicable base cashback rate as per the terms of the programme—“transaction rewards for merchant payments using cards issued via the Kiwi app”—provided in the Kiwi Rewards Policy.
4. Transactions falling under categories excluded from the regular Kiwi Rewards Programme will not be eligible for cashback under the Kiwi Boost.

Detailed T&Cs on the Kiwi Boost Membership

1. For cashback offers on eligible Credit Card transactions:

1. The rewards programme under this membership will be applicable from the first eligible transaction after the customer successfully activates the Kiwi Boost.
2. The rewards will be provided in the form of Kiwis.
3. 1 Kiwi = Rs. 0.25 (twenty five paisa only) or 4 Kiwis = Re. 1.
4. Accelerated rewards: 1% cashback on eligible online transactions will apply during the active Kiwi Boost membership period, instead of the regular 0.5% cashback applicable on such transactions.
5. Scan & Pay transactions will not be eligible for the accelerated cashback under the Kiwi Boost and will continue to earn the applicable base cashback.
6. The Kiwi Boost membership will be valid for 3 months from the date of activation.
7. The cashback benefit will be available only during the validity period of the Kiwi Boost.
8. Kiwis are calculated on multiples of Rs. 100 spent on eligible transactions. For illustration, on 1% cashback:
   1. Transaction of Rs. 100/-: 4 “Kiwis” earned
   2. Transaction of Rs. 175/-: 4 “Kiwis” earned
   3. Transaction of Rs. 200/-: 8 “Kiwis” earned
9. A customer is required to accumulate at least 500 Kiwis before redemption. Further, redemption of Kiwis can be made in multiples of 500 Kiwis only.
10. In case of refunds, the rewards accrued against such transactions will be removed from the customer's reward balance.
11. Exclusion categories, as provided in the T&Cs below, will not be eligible for any rewards. These exclusion categories are subject to change from time to time.

2. For EMI transactions:

1. Eligible online EMI transactions (excluding cases where No Cost EMI offer has been availed by the customer as per the terms of the “EMI on UPI offers” provided in the Kiwi Rewards Policy) made during the active Kiwi Boost membership period will be considered for cashback at the Kiwi Boost rate of 1%, subject to the applicable exclusions and Kiwi Rewards Policy.
2. Where an offer or benefit is specifically applicable to an EMI transaction, the terms of such offer will apply.

3. For Kiwi Boost validity:

1. The Kiwi Boost will be activated upon successful completion of payment.
2. The membership will remain valid for exactly 3 months from the date of activation.
3. The expiry date of the Kiwi Boost will be displayed to the customer on the Kiwi App.
4. Upon expiry of the Kiwi Boost, the cashback rate on eligible online transactions will revert to the applicable regular cashback rate.
5. The Kiwi Boost will not auto-renew after expiry.
6. Customers will not be charged again unless they explicitly purchase a new Kiwi Boost.
7. Customers cannot hold more than one active Kiwi Boost at any given time.

4. For refunds:

1. In case of refunds, cancellations or reversals of eligible transactions, the Kiwis/rewards accrued against such transactions will be reversed from the customer's reward balance.
2. Kiwi reserves the right to reverse rewards where a transaction is subsequently determined to be ineligible.

5. For card block or suspension:

1. In case the customer's Credit Card is blocked or suspended during the Kiwi Boost membership period, the Kiwi Boost will remain linked to the customer's account.
2. If the customer's card is restored during the original Kiwi Boost validity period, the customer may continue to avail the Kiwi Boost benefits, subject to continued eligibility.
3. The validity of the Kiwi Boost will not be extended on account of any card block, suspension or temporary inability to transact.

6. Cancellation of Kiwi Boost Membership:

1. Kiwi Boost Membership can be discontinued by the customer by simply allowing the membership to expire. There is no auto-renewal.
2. Kiwi Boost Membership fee of Rs. 49/- + applicable taxes is non-refundable once purchased.
3. Customers will not be charged any further membership fee after expiry unless they choose to purchase a new Kiwi Boost.

Other Terms and Conditions applicable on the Membership programme

1. EMI transactions on the Kiwi Credit Card will be considered for rewards, subject to the applicable offer terms and exclusions.
2. Exclusion categories, as specified below, will not be eligible for rewards under the Kiwi Boost and will also be excluded from eligible spend calculations wherever applicable:

3. Also, any merchant which as per internal records of the Bank or Kiwi is promoting/enabling unfair usage of credit cards, intended for business purposes, or cash encashment may be disqualified/excluded from rewards earned.
4. For category and merchant classification, Kiwi will rely on the merchant category code/other information received by Kiwi during the transaction.
5. At any given time, benefits under the Kiwi Boost programme will be linked to the eligible Credit Card issued via the Kiwi App and associated with the customer's Kiwi account.
6. Only transactions that are eligible as per applicable network guidelines will be considered for rewards.
7. All cashbacks are earned in the form of “Kiwis”.
8. “Kiwis” are earned on spends of every Rs. 100 spent on the eligible transaction, i.e. “Kiwis” are calculated on multiples of Rs. 100.
9. A customer is required to accumulate at least 500 Kiwis before redemption. Further, redemption of Kiwis can be made in multiples of 500 Kiwis only.
10. Subscription for the Kiwi Boost Membership is completely voluntary. Users who choose not to subscribe to the programme will continue to earn rewards as per the regular Kiwi Rewards Programme.
11. Kiwi reserves the right to determine cardholders' eligibility for the Kiwi Boost Membership offer and to disqualify any cardholder who fails to meet the offer requirements or is suspected of misusing rewards, engaging in fraud, participating in suspicious transactions/activities, or violating fair usage of credit cards, legal requirements, or applicable rules and regulations.
12. Kiwi reserves the right to withdraw the offer and nothing contained herein shall be construed as a binding obligation on Kiwi to continue the offer. Kiwi also reserves the right to discontinue the Kiwi Boost Membership or the associated rewards without assigning any reasons or without prior intimation, subject to applicable law.
13. Kiwi reserves the right to change the membership fee. Membership benefits, including rewards and offers, may be withdrawn or discontinued from time to time.
14. The Kiwi rewards shall be valid only on successful eligible transactions via the Kiwi platform.
15. For transactions where a refund has been initiated, the Kiwis will be reversed from the customer's account.
16. In case Kiwi learns that a cardholder is involved in malpractices relating to refunds or misuse of the programme, Kiwi may disqualify such cardholder from further offers, programmes and benefits provided by Kiwi.
17. Nothing contained herein shall be construed as a binding obligation on Kiwi to continue the Kiwi Boost Membership or the associated “Kiwis” Rewards or to substitute the same with a similar or new programme.
18. The Customer shall not hold Kiwi responsible for any actions, claims, demands, liabilities, losses, damages, costs, charges or expenses which a Customer incurs in the normal course of availing the membership benefits, except as required under applicable law.
19. In case of a dispute in relation to the eligibility of the membership, rewards, availability, refunds and all other aspects discussed in these Terms & Conditions, the final decision lies with Kiwi, subject to applicable law. Kiwi may seek additional information from the customer for this purpose, including invoices against transactions and credit card statements.
20. Participation in the membership is completely voluntary and cardholders may choose to not participate in the programme.
21. Kiwi does not guarantee any cashback or reward to any cardholder where the applicable eligibility and transaction conditions are not fulfilled.
22. Kiwi is not responsible for any tax implications on the User arising from their participation in the programme. Cardholders should obtain independent tax advice where required.
23. Standard Kiwi Terms & Conditions apply.
24. The Kiwi Rewards Policy shall apply to all cashback and rewards earned under the Kiwi Boost Membership programme.
25. In case of any conflict between these Terms & Conditions and the Kiwi Rewards Policy, the terms specifically applicable to the relevant transaction or benefit shall prevail.