Kiwi Neon Membership Programme - Effective from 1st February 2025.
This offer is brought to you by Gokiwi Tech Private Ltd hereinafter referred to as “Kiwi”
The Kiwi Neon is an annual membership programme available only for select users, and allows for multiple benefits when the customer uses the Kiwi app for UPI transactions
Kiwi Neon Membership eligibility: This membership is applicable only to customers who have a Yes Bank Klick credit card, issued via the Kiwi app.
Validity: The membership programme is valid for a year from the date of enrollment. Customers can renew their membership annually.
Membership fee: The membership fee for this programme is Rs. 999 (exclusive of taxes) per membership per year, effective 3rd February 2025.
As a limited-period offer, the membership fee will be waived for customers who applied for the Yes Bank Klick credit card prior to 31st January 2025; if the customer applies for the Neon membership on or before 15th April 2025.
Please note: This does not apply to re-applicants of the credit card after 31st January 2025.
Also, customers who had already enrolled for the Kiwi Neon membership prior to 31st January 2025, will continue to enjoy the benefits, without any payment, until the yearly validity of the membership.
Membership benefits - As a preferred customer, the following offers will be applicable to transactions made on the Kiwi app:
- For Klick Credit card issued via the Kiwi app:
- Additional cashbacks on Kiwi UPI transactions:
- 2% on scan & pay transactions (where QR code is scanned)
- 0.5 % on online transactions (where payment is redirected from merchant website/app to Kiwi app to complete the transaction)
- Milestone rewards on yearly spends on Kiwi App:
- 3% cashback on eligible spends of Rs.50,000 + 1 lounge access
- 4% cashback on eligible spends of Rs.1,00,000 + 1 lounge access
- 5% cashback on eligible spends of Rs.1,50,000 + 1 lounge access
Milestone rewards will be calculated as:
- Milestone 1: 3% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Milestone 2: 4% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Milestone 3: 5% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Eligible spends is defined as: Total spends on Kiwi - spends in exclusion categories - refunds
To know more about milestone calculations,
To know more about eligible spends calculation:
- Cashbacks/ offers of upto Rs.100 per month on other credit cards/ savings transactions done using the Kiwi App
- Brand/Merchant offers exclusively for Kiwi Neon Membership users:
- Such offers will be made available to customer, from time to time, and shall be provided on the Kiwi app/ merchant website/app or merchant store
- All terms and conditions pertaining to such brand / merchant offers will be available under the “Merchant offers” section of the Rewards Terms & Conditions page on the website
- Exclusive offers/ access to top movies/ events:
- Such offers will be made available to customers, from time to time, and shall be provided on the Kiwi app/ partner website or store
- Offers may be in the form of welcome benefits, or usage benefits
- All terms and conditions pertaining to such offers shall be provided under “Special benefits” section of the Rewards Terms & Conditions page on the website
Detailed T&Cs on the Kiwi Neon Membership:
- For cashback offers on Yes Bank Klick credit card, issued via the Kiwi App:
- The rewards program under this membership will be applicable from the first transaction after the customer signs up for the membership.
- The rewards will be provided in the form of Kiwis.
- 1 Kiwi = Rs 0.25 (twenty five paisa only) or 4 Kiwis = Re.1
- Accelerated rewards: 2% cashback on scan & pay over-rules the 1% cashback that is a default feature of the credit card issued on the Kiwi app;
- While the customer will receive the accelerated cashback immediately, the milestone rewards will be credited after 30 days, on the last day of the subsequent month of achieving the milestone.. For example, if a customer achieves the milestone in January’25, the milestone rewards will be credited to the customer's reward balance on 28th February’25. This also applies to the airport lounge access credit.
- Milestone spends will be calculated from date of subscription to Kiwi Neon membership
- The total cashback earned by the user in any given month will be capped to 1% of the credit limit of the customer. The cashback earned for milestone rewards is excluded from the 1% monthly limit cap.
- Further, cashback in any month can be earned for eligible spends up to the credit limit on the customer.
- The above mentioned cap on Kiwi rewards will be reset at the start of every month i.e 1st of every month.
- In case of refunds, the rewards accrued against these transactions will be removed from the customer’s reward balance
- 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.
- For Airport lounge access
- The eligibility for airport lounge access on Kiwi will be applicable as per the milestone spends eligibility defined above in section 1
- When customer achieves the milestone spends, the lounge pass will be unlocked for the customer in the Airport Lounge section on the homepage of the Kiwi app
- To get access to the airport lounge, customers can “claim” the pass by scanning the boarding pass via the app.
- The pass carries a QR code which will be required to be presented at the lounge, at the time of the entry, along with the boarding pass
- Each pass admits one customer to the lounge, and guarantees the customer to a maximum of 2 hours per stay. The validity will be displayed on the Kiwi app, right below the QR code
- Once unlocked, the Lounge pass is valid for a period of 6 months from the date of issue on the Kiwi app. Date of issue will be considered the date when the lounge pass is unlocked for the user on the app.
- The airport lounge program will be delivered via third party and any customer availing the lounge pass grants Kiwi the right to share customer’s information with the third party/ lounge for fulfillment for the service
- Any customer availing the lounge pass extends an implicit consent to adhere to the T&Cs of the lounges
- The list of lounges covered under this programme is made available on Kiwi app.
- The lounge programme can be subject to change as the lounges are run by third party partners and Kiwi does not have control on the same. Kiwi is providing the benefit on a best effort basis.
- Kiwi is not liable for any deficiency in the service provided at the lounge and would have no control on the quality and availability of services at the lounge.
- For cashback offers on other Rupay credit card/ savings account transactions done via the Kiwi UPI app:
- The cashback made available to the customer on these linked Savings accounts and Rupay credit cards will be in the form of “surprise rewards” that may be offered from time to time.
- Surprise rewards, if applicable, will be made available to the customer after a transaction is successfully completed, in the form of icons that need to be tapped to reveal the offer.
- Surprise rewards icons will be visible only on the transaction success page.
- CustomersCustomer will be required to tap the icon/s to reveal the offer within 30 seconds of the display of the icon
- These rewards will not be made available on transactions pertaining to the excluded categories; as provided below
- For refunds the rewards will be reversed from your account
- Surprise rewards will not be available for intent transactions
- Cancellation of Kiwi Neon Membership
- Kiwi Neon Membership can be cancelled at any point of time during the membership period. Upon cancellation, the customer will continue to enjoy the benefits of Neon till the end of his/ her membership validity.
- Kiwi Neon Membership fee of Rs 999/- + Taxes is Non-refundable.
Other Terms and Conditions applicable on the Membership program
- Exclusion categories, as specified below, will not be eligible for rewards and will be excluded from milestone spend calculation:
Category | Details | Merchant Codes |
---|
Agricultural Services | Agricultural Services, Cooperatives | 0763, 0820–0825 |
Horticultural & Vet | Horticultural, Landscaping, Veterinary Services | 0742–0744, 0780 |
Business Services | Auto Rentals, Repairs, Paint Shops | 7512, 7523, 7531, 7535, 7538 |
Government Services | Tax Payments, Court Costs, Postal Services, Fines | 9211, 9222, 9223, 9311, 9399, 9400, 9402, 9405, |
Professional Services | Legal, Accounting, Educational Institutions | 8111, 8931, 8220, 8241, 8299 |
Retail Services | Auto Dealers, Fuel Stations, Jewelry, Petroleum | 5094,5172, 5511, 5531–5533, 5541, 5542 |
Transportation | Bridge Fees, Tolls, Misc. Services | 4784, 4789 |
Utilities | Cable, Telecom, Electricity, Water | 4812, 4814, 4900 |
Miscellaneous | Jewelry Stores, Fuel Dealers, Insurance, Real Estate | 5944, 5983, 6300,6399, 6513 |
- Also, any merchant which as per internal records of the Bank or Kiwi is promoting/ enabling unfair usage of credit cards, or intended for business purposes, or cash encashment will be disqualified/ excluded from rewards earned.
- For category and merchant classification, Kiwi will rely on the merchant category code/other information received by Kiwi during the transaction.
- Only transactions that are eligible as per the network guidelines will be considered for the rewards and the milestones
- All cashbacks are earned in the form of “Kiwis”.
- “Kiwis” are earned on spends of every Rs 50 spent on the card, i.e. “Kiwis” are calculated on multipliers of Rs 50. For illustration, on 2% cashback:
- Transaction of Rs 75/- : 1 “Kiwis” earned
- Transaction of Rs 100/ - : 2 “Kiwis” earned
- Transaction of Rs 175/- : 3 “Kiwis” earned
- A customer is required to accumulate at least 500 Kiwis before redemption. Further, redemption of Kiwis can be made in multiples for 500 Kiwis only
- Subscription for the Kiwi Neon Membership is completely voluntary. Users who choose to not subscribe to the programme, will continue to earn rewards as per the regular Kiwi rewards program as mentionedhere
- Kiwi reserves the right to determine cardholders' eligibility for the Kiwi Neon 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.
- 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. We also reserve the right to discontinue the Kiwi Rewards without assigning any reasons or without any prior intimation whatsoever. Nothing contained herein shall amount to a commitment or representation by us to continue the “Kiwis” Rewards.
- Kiwi reserves the right to change or waive the annual membership fee. Membership benefits, including rewards and offers, may be withdrawn or discontinued without prior notice.
- The Kiwi rewards shall be valid only on successful transactions via the Kiwi platform.
- For transactions where refund has been initiated, the Kiwis will be reversed from the customer’s account.
- In case Kiwi learns that a cardholder is involved in malpractices relating to refund, Kiwi shall disqualify such cardholders from all further offers/ programs and benefits provided by Kiwi.
- Nothing contained herein shall be construed as a binding obligation on Kiwi to continue the “Kiwis” Rewards or to substitute the “Kiwis” Rewards by a similar or a new programme.
- The Customer shall not hold the 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.
- In case of a dispute in relation to the eligibility of the membership, rewards, availability and refunds and all the aspects discussed in the Terms & Conditions above, the final decision lies with Kiwi. Kiwi may seek additional information from the customer for this purpose, including the invoices against transactions and credit card statements.
- Participation in the membership is completely voluntary and cardholders may choose to not participate in any offer.
- For purposes of clarity, Kiwi does not guarantee any prize to any cardholder.
- Kiwi is not responsible for any tax implications on the User from their participation in any offer. Cardholders should obtain independent tax advice before entering any offer.
- Standard Kiwi Terms & Conditions apply