Kiwi 25 Offer 2 - ₹25 Cashback – July'25

Make a transaction of ₹100 or more on the Kiwi app using your Credit Card issued via Kiwi between July 11 – July 18, 2025, and get Flat ₹25 cashback (credited as 100 Kiwis).

1. Eligibility

   1. The Kiwi 25 offer is valid only for customers who have received the offer communication through:
      • A WhatsApp message on their registered number
      • A push notification
      • An in-app notification on Kiwi
   2. The transaction on Kiwi must be of ₹100 or more using your Credit Card issued via Kiwi App i.e. Axis Bank Kwik Credit Card, YES Bank Klick Credit Card or AU Bank KOSMO Credit Card.
   3. In case of multiple Credit Cards issued via Kiwi, the offer will only be valid only on YES Bank Klick Credit Card or AU Bank KOSMO Credit Card.
   4. The offer is limited to once per customer.
   5. The offer does not apply to Rent transactions made on Kiwi app.
   6. On successful transaction, the user will receive 100 Kiwis.
   7. Kiwi reserves the right to determine cardholders' eligibility for the Kiwi 25 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.
   8. The Kiwi 25 Offer shall be valid only on successful transactions via the Kiwi platform and transactions where refund has been initiated will not be considered for the Kiwi 25 Offer. 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.
   9. Rewards under the Kiwi 25 Offer will be won in the form of "Kiwis" and 4 Kiwis will equal ₹1.

2. Excluded Merchant Categories

   Cardholder spends in the below merchant categories will be excluded from the offer milestone calculation:

   Category	Details	Merchant Codes
   Agricultural Services	Agricultural Services, Cooperatives	0763, 0820, 0821, 0822, 0823, 0824, 0825
   Horticultural & Vet	Horticultural, Landscaping, Veterinary Services	0742, 0743, 0744, 0780
   Business Services	Auto Rentals, Repairs, Paint Shops, Jewelry and Watch Repair Shops	7512, 7523, 7531, 7535, 7538, 7631
   Government Services	Tax Payments, Court Costs, Postal Services, Fines	9211, 9222, 9223, 9311, 9399, 9400, 9402, 9405, 9311, 9700, 9701, 9702, 9751, 9754, 9950
   Marketing & Advertising	Direct Marketing & Advertising	5960, 5962, 5964, 5965, 5967, 5968, 5969, 7311
   Professional Services	Legal, Accounting, Educational Institutions	8111, 8931, 8220, 8241, 8299, 8675, 8211, 8249, 8241, 8244
   Retail Services	Auto Dealers, Fuel Stations, Jewelry, Petroleum	5094,5172, 5451, 5511, 5521, 5531, 5532, 5533, 5541, 5542, 5599
   Transportation	Bridge Fees, Tolls, Misc. Services	4784, 4789
   Utilities	Cable, Telecom, Electricity, Water	4812, 4813, 4814, 4816, 4821, 4829, 4899, 4900
   Miscellaneous	Jewelry Stores, Fuel Dealers, Financial Institutions, Insurance, Real Estate	5944, 5960, 5983, 6011, 6012, 6051, 6300, 6381, 6399, 6513, 6529, 6540

3. Additional Terms

   1. For category and merchant classification, Kiwi will rely on the merchant category code/other information received by Kiwi during the transaction.
   2. In case of a dispute in relation to the eligibility, availability and refunds and all the aspects discussed in the Terms & conditions above, the final decision lies with Kiwi.
   3. 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.
   4. Participation in any offer is completely voluntary and cardholders may choose to not participate in any offer.
   5. For purposes of clarity, Kiwi does not guarantee any reward to any cardholder.
   6. 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.