No Cost EMI - Government Services and Taxes and Utilities

1. Offer Period

Offer is valid from 1st February 2026 - 2nd February 2026, both dates inclusive (“Offer Period”).

2. Eligibility

1. The Offer is open to all customers availing EMI on UPI on Government Services and Taxes and Utilities Payments via Kiwi, using Yes Bank Klick credit card on Kiwi.

3. Qualifying Transactions

• Category: Government Services and Taxes and Utilities
• MCCs:

  EMI Tenure	Merchant Category Codes
  Government Services	9211, 9222, 9223, 9311, 9399, 9400, 9402, 9405
  Taxes & Utilities	4900

• Only Government Services and Taxes and Utilities transactions processed successfully during the Offer Period, and meeting all other conditions, shall qualify.

4. Offer Construct / Benefit

Example:

Payment of ₹40,000 at 3-month EMI @ 16% interest → interest ₹1,071 → cashback = ₹1,071 (100% cashback)

5. Processing Fees & Disclosures

1. Processing fees (if any) as levied by the bank / EMI partner apply, and are payable by the Customer.
2. All relevant fees, interest rates, and terms of the EMI (including late payment fees, if any) will be clearly disclosed in the app / payment flow before confirming the transaction.

6. Cashback Terms

1. Cashback pertains only to the interest portion of the EMI; principal is not eligible.
2. Cashback is applicable on transactions where the offer is clearly displayed at the point of transaction
3. Cashback will be credited as Kiwis to the customer's account after the EMI conversion
4. In case the EMI transaction is refunded, cancelled, or charged back, cashback will be reversed from the customer's account
5. Valid for successful transactions made using Kiwi's EMI on UPI offering, and standard EMI on UPI terms and conditions apply
6. Offer is non-transferable and cannot be combined / clubbed with other Kiwi or partner offers unless explicitly stated. Therefore, customers availing this offer will not be eligible to receive any other cashbacks for the transaction.
7. In cases where multiple offers are applicable, Kiwi will determine which offer applies.
8. Only transactions from merchants or merchant categories mentioned above are eligible for the offer.
9. Customers found misusing the Offer, engaging in fraud, or violating fair usage policies will be disqualified. Kiwi reserves the right to refuse cashback or otherwise exclude such customers.
10. Offer not valid in states or jurisdictions where prohibited by law, regulation, or authorities.
11. Any dispute in connection with eligibility for the Offer, correctness of cashback computed, or other matters will be resolved by Kiwi at its sole discretion.