Axis Bank KWIK RuPay Credit Card

The Axis Bank KWIK RuPay Credit Card is a pioneering digital financial product built specifically for India's booming unified payments ecosystem, developed in partnership with fintech platform kiwi. Unlike traditional plastic credit cards designed for POS terminals, the KWIK card is issued as an instant virtual RuPay credit card directly inside the kiwi app, engineered to link natively to UPI for everyday scan-and-pay transactions. Its hero proposition is flat 1.5% cashback on all merchant scan-and-pay UPI transactions conducted through the kiwi app (earned as 2 Kiwis per ₹100 spent, where 1 Kiwi = ₹0.75 in cash). Crucially, rewards are redeemed directly to your linked bank account with zero redemption fees and no minimum balance hurdles. Transactions conducted on UPI apps outside kiwi (such as Google Pay or PhonePe) earn a baseline 0.50% return. The card is 100% lifetime free, carrying zero joining fees and zero recurring annual renewal fees. However, cardholders should recognize its operational boundaries: the 1.5% accelerated cashback applies strictly to merchant QR codes (peer-to-peer / P2P transfers between individuals do not earn rewards), it offers zero complimentary airport lounge visits, no physical card is issued by default, and standard spend exclusions apply to fuel, wallet loads, rent, and government payments. Who should consider it: Anyone who makes multiple daily UPI payments at grocery stores, pharmacies, cafes, and retail shops and wants to earn automatic cash returns on everyday small-ticket spends. Who should look elsewhere: Travel maximizers seeking airport lounge access or large-ticket spenders wanting accelerated air miles.

Additional Cardholder Privileges

Mandatory Verification Documents