Yes BankRuPayLifetime FreeKiwi Credit Card
4.6NeoFinQ editorial rating
India's best UPI credit card with up to 5% cashback — lifetime free
- Lifetime free
- Up to 5% cashback via Neon Pass
- Direct UPI cashback
- Instant discounts on Amazon/Swiggy
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹23,000/yr
Our verdict
India's best UPI credit card with up to 5% cashback and lifetime free status.
Perfect for
- UPI users
- Cashback maximizers
- Digital-first users
Not ideal for
- Traditional card users
- International travelers
Pros & cons
- Lifetime free
- Up to 5% cashback via Neon Pass
- Direct UPI cashback
- Instant discounts on Amazon/Swiggy
- Only UPI via Kiwi app eligible for cashback
- No international benefits
Rewards
2 KwikPoints for every ₹250 spent (0.50% value). Up to 1% KwikPass cashback on UPI P2M transactions over ₹50, subject to monthly caps based on tier.
| Category | Earn rate |
|---|---|
| Travel | 3% |
| Cashback | 5% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Domestic lounge access based on spend tiers (Neon Pass)
More benefits
- Milestone: Neon Pass: 3-5% cashback tiers + lounge access on spend milestones
- Additional Benefits: Instant discounts on Amazon, Swiggy, other platforms
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
Frequently asked questions
How does the cashback work?
UPI transactions via Kiwi app earn 1.5% cashback (without Neon) or 3-5% (with Neon Pass based on annual spend tiers).
Is there any spending cap?
Monthly rewards limited to 1% of credit limit without Neon Pass.
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