Kiwi · Credit Card
Kiwi Lifetime Free Rupay Credit Card
Official product: Kiwi / YES BANK Klick RuPay Credit Card (mapping based on current official YES/partner material)
- No joining or annual fee — ever
- A low-commitment way to start building credit history
- Bonus rewards when you spend with the partner brand
Opens the partner’s official application pageDownload product PDF
Fees, rewards and eligibility shown below are decided solely by Kiwi and can change without notice — always confirm current terms on the official page before applying.
Mapping note: Original row says Kiwi lifetime-free RuPay; mapped to YES BANK Klick RuPay based on official YES user guide. Confirm exact issuer/product in your DSA link before publishing.
Fees & Charges
- Joining Fee
- ₹0
- Annual / Renewal Fee
- ₹0
- Annual Fee Waiver Condition
- Not required — lifetime free
- Interest Rate / Finance Charge
- 3.99% per month per YES BANK MITC where applicable.
- Late Payment Charges
- As per YES BANK current MITC.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 2 Reward Points per ₹200 on eligible non-UPI spends; Kiwi app rewards for UPI governed by current partner programme.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- Not disclosed by issuer — check official card page
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- Not disclosed by issuer — check official card page
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Not disclosed by issuer — check official card page
- Employment Type
- Subject to YES BANK underwriting.
- Documents Required
- PAN/KYC and issuer-requested documentation.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the Kiwi Lifetime Free Rupay credit card? ▾
Joining fee: ₹0. Annual fee: ₹0. Fee waiver: Not required — lifetime free.
What rewards or cashback does the Kiwi Lifetime Free Rupay credit card offer? ▾
2 Reward Points per ₹200 on eligible non-UPI spends; Kiwi app rewards for UPI governed by current partner programme.
Who is eligible for the Kiwi Lifetime Free Rupay credit card? ▾
Subject to YES BANK underwriting.