Kiwi Klick Credit Card

About Kiwi Klick Credit Card

Are you still draining your bank account for every small UPI payment at the local grocery store? Most people miss out on rewards because they use debit for daily scans, but the Kiwi Klick Credit Card changes that cycle.

This card is a RuPay powerhouse designed specifically for the UPI era. It allows you to link your credit limit to any UPI app, meaning you earn rewards even on small "scan and pay" transactions. With a 0 joining fee and 0 annual fee, it is a rare "Lifetime Free" card that puts money back in your pocket without asking for anything upfront.

Targeted at salaried professionals earning at least ₹16,000 per month, this card is perfect for those who want to build a credit history while managing daily expenses. If you spend around ₹10,000 to ₹15,000 monthly on routine UPI transactions, this card can help you save significantly through its direct cashback model.

What sets it apart:

• True Lifetime Free Status: Unlike many cards that hide fees behind spending milestones, this card has a flat ₹0 joining and annual fee structure.
• UPI Integration: Being a RuPay card, it works directly with the Kiwi app and other UPI platforms for instant merchant payments.
• Direct Cash Redemption: 1 Reward Point equals ₹0.25, and you can redeem these "Kiwis" directly into your linked "goaxb" UPI account.

Quick check: To qualify for this card, you should be between 25-60 years old with a CRIF score of 720 or higher. If you meet these simple criteria, you can stop using your savings for daily tea or grocery runs and start earning rewards instead.

Let's break down why this card might be the smartest addition to your digital wallet:

Key Benefits and Features of the Kiwi Klick Credit Card

The Kiwi Klick Credit Card, issued in partnership with Yes Bank, focuses on simplicity and high frequency of use. Here is a detailed look at the benefits you get:

Welcome Bonus for New Users

As soon as you get your card, you can get a head start on your savings. The card offers a flat ₹250 cashback (equivalent to 1000 Kiwi points) when you complete your first merchant transaction via the Kiwi App. To ensure you don't miss out, make sure this transaction is for at least ₹100 and occurs within the first 30 days of card issuance. It is a straightforward way to "earn" back value before you even pay your first bill.

Reward Structure and "Kiwis"

The card uses a unique reward currency called "Kiwis." The conversion rate is simple: 1 Kiwi point equals ₹0.25. While many cards force you to browse through complex catalogs for vouchers or products you don't need, Kiwi keeps it practical. You can redeem your earned Kiwis directly into your "goaxb" UPI ID linked account at any time. It is effectively real cash that you can use anywhere.

Fee Structure and Lifetime Value

One of the strongest arguments for the Kiwi Klick card is its cost-to-benefit ratio.

• Joining Fee: ₹0 (Nil)
• Annual Fee: ₹0 (Nil)
• Renewal Waiver: Not applicable, as the card is free for life.

This makes it a "zero-risk" card. Even if you don't use it for a month, you aren't losing money on membership fees. This is particularly beneficial for those who are new to credit cards and don't want the pressure of high annual spending targets.

Fuel Surcharge Waiver

For those who commute daily, the 1% fuel surcharge waiver provides consistent relief. This waiver applies to transactions between ₹500 and ₹3,000, with a maximum monthly cap of ₹250. While fuel spends themselves don't earn reward points, the waiver ensures you aren't paying extra fees at the petrol pump.

Yes Bank Ecosystem Offers

Since this is a Yes Bank co-branded card, you get access to the broader Yes Bank promotional network. This often includes instant discounts on major e-commerce platforms like Amazon, Flipkart, or Myntra during festive sales. These bank-level offers can be combined with Kiwi's own internal offers to maximize your total savings on large purchases.

Spending Exclusions to Keep in Mind

To maximize your rewards, you need to know where the card does NOT earn points. The following categories are excluded from reward earning:

• Fuel purchases and EMI transactions.
• Wallet loading (like adding money to Paytm or Mobikwik).
• Jewelry purchases and cash advances.
• Rental payments and Government services.
• Insurance premiums and Education fees.
• Utility bill payments (Note: These ONLY earn rewards if done specifically through the Airtel Thanks platform).

How to Apply for the Kiwi Klick Credit Card

The application process is designed to be digital-first and fast. Follow these steps to get started:

1. Download the Kiwi App: Visit the Google Play Store or Apple App Store and download the Kiwi app.
2. Check Eligibility: Ensure you meet the minimum income requirement of ₹16,000 per month (₹2 Lakhs annually) and have a CRIF score of 720+.
3. Enter Details: Provide your mobile number, PAN details, and employment information. Since this card is currently focused on salaried individuals, have your company details ready.
4. Complete KYC: You must undergo a Video KYC (Know Your Customer) process. Keep your original PAN card and a blank paper for a signature ready.
5. Card Issuance: Once approved, a virtual version of your Kiwi Klick Credit Card will be generated instantly in the app.
6. Activation: To qualify for the ₹250 welcome cashback, make a merchant transaction of at least ₹100 within 30 days.

Credit Limit: What to Expect

Credit limits for the Kiwi Klick Credit Card are assigned based on your income, credit score, and existing banking relationship with Yes Bank. Since the minimum income requirement is relatively low at ₹16,000 per month, starting limits range from ₹20,000 to ₹50,000 for many first-time applicants. However, if you have a high credit score and a stable income, you may receive a significantly higher limit. Banks determine your final ceiling by analyzing your debt-to-income ratio and payment history across existing credit lines.

Comparison Table: Kiwi Klick vs. Competitors

To understand where Kiwi Klick stands, we compared it with other popular entry-level RuPay and cashback cards in India.

While the Axis Ace offers a higher 2% cashback, it comes with an annual fee and is not a RuPay card, meaning you can't use it for UPI scans. The Kiwi Klick is the superior choice for users who want the utility of UPI payments without paying any annual maintenance charges.

Documents Required for Kiwi Klick Credit Card Application

You'll need to submit the following documents during the digital application process:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Passport.
• Address Proof: Aadhaar Card, Voter ID, or Utility Bills (Electricity/Water) not older than 2 months.
• Income Proof: Latest 3 months' salary slips or your latest Form 16.
• Bank Statements: Last 6 months' bank statements showing salary credits.

Note: While the primary focus is on salaried professionals, self-employed individuals can apply by submitting their latest Income Tax Return (ITR) reflecting an annual income above ₹2 Lakhs.

Who Should Get This Card?

The UPI Power User: If you are someone who rarely carries a physical wallet and relies on scanning QR codes at local pharmacies, tea stalls, and grocery stores, this card is for you. By using Kiwi Klick instead of your bank account, you earn rewards on every scan while keeping your bank statement clean from hundreds of small entries.

The First-Time Cardholder: If you earn ₹20,000 a month and have never had a credit card, the Kiwi Klick is a great "starter" card. Because there is no annual fee, you don't have the stress of trying to justify the card's cost. It helps you build a credit history for free.

The Budget Optimizer: If you already have a premium card for travel or dining but want a secondary RuPay card just for UPI transactions, this fits perfectly into your strategy. You use your premium card for big spends and Kiwi Klick for everything else.

You might want to skip this card if:

• You are looking for travel perks like airport lounge access or air miles.
• You spend heavily on rent and utilities (most of these are excluded from rewards).
• You want high cashback on big-ticket offline electronics (where Axis Ace would be better).

BankKaro Expert Review

The Kiwi Klick Credit Card is a highly focused tool. It doesn't pretend to be a luxury travel card; instead, it aims to be the best "daily driver" for the Indian UPI ecosystem. Based on our analysis, the biggest strength is the absolute zero-cost ownership. In a market where "free" cards often have hidden conditions, a genuine lifetime free RuPay card is a massive win.

However, the biggest limitation is the reward rate. At 1 Kiwi point = ₹0.25, the value-back is modest compared to some paid cards. Furthermore, the exclusion list is quite extensive, particularly regarding utility bills not paid through Airtel Thanks. This means you have to be strategic about where you use the card to actually see the savings add up.

Our Verdict: Choose this card if you want a simple, no-nonsense RuPay card for UPI. It is the perfect companion for your primary credit card. It is reliable, costs nothing to keep, and the direct-to-bank redemption is far more convenient than any reward catalog we have seen recently.

Terms and Conditions

Before applying, keep these specific terms in mind to ensure you get the most out of the card:

• Activation Requirement: You must make a minimum transaction of ₹100 within 30 days of getting the card. If you fail to do this, you will not be eligible for the ₹250 welcome rewards.
• Reward Redemption: Kiwi points can only be redeemed into the "goaxb" UPI ID linked account. Ensure your app is correctly set up to receive these funds.
• Usage Policy: Always read the updated features list on the Kiwi app before submitting your application, as bank policies on reward exclusions can change.
• Interest Rates: Like all credit cards, failing to pay the full balance by the due date will attract interest charges. Always pay in full to keep the card truly "free."

You can access the complete terms and conditions and view your specific credit limit details directly through the profile section of the Kiwi app or the Yes Bank official portal.