Lifetime Free RuPay Credit Card with Up to 2% Rewards on UPI QR Spends
Daily digital spenders, mobile UPI QR payments, and consumers looking for a lifetime free RuPay credit card with direct cashback conversion.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1.5% Cashback on UPI Scan & Pay + 0.5% Cashback on Online Spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB Kiwi Credit Card is one of the most innovative digital credit cards operating on the NPCI RuPay UPI rail. Issued as a virtual-first product in collaboration between Punjab National Bank and fintech platform Kiwi, it completely eliminates maintenance friction with a permanent Lifetime Free (LTF) structure. Cardholders incur ₹0 joining fee and ₹0 annual renewal fee without any spend hurdles or hidden conditions. The core value proposition centers on everyday merchant UPI QR transactions. Users earn up to 2 Kiwi Points per ₹100 spent on eligible UPI merchant scans through the Kiwi application (or 0.50% to 2.0% effective valueback depending on user reward tier and promotional milestones). 4 Kiwi Points equate directly to ₹1 in statement credit or instant bank account transfer, making point realization seamless compared to traditional reward catalogs. However, users must understand key boundaries: peer-to-peer (P2P) transfers, personal UPI IDs, wallet loads, rent, and utility bill aggregation portals do not generate accelerated Kiwi Points. The card does not offer airport lounge access, golf privileges, or premium travel insurance. It is purely engineered as a high-velocity transactional instrument for daily tea stalls, grocery counters, supermarket checkouts, and local retailers. For urban consumers who make 30 to 100 micro-transactions monthly via UPI and want to monetize routine expenditures without fee anxiety, the PNB Kiwi card is an indispensable digital companion.
Use your PNB Kiwi RuPay Credit Card to scan any merchant UPI QR code through the Kiwi application and earn a flat 1.5% cashback credited instantly in Kiwi points.
Enjoy steady 0.5% cashback across e-commerce, food delivery, travel bookings, and online utility bill payments.
The PNB Kiwi Credit Card is issued completely free for life without any minimum spend thresholds or renewal charges.
Unlike complex points catalogs, Kiwi rewards convert into real cash (4 Kiwis = ₹1) that you can instantly transfer to your savings bank account using UPI with zero redemption charges.
Cardholders can optionally opt into the Kiwi Neon membership program for accelerated 2% cashback on UPI Scan & Pay, up to 5% cashback on milestone spending thresholds, and complimentary domestic airport lounge access.
Get an instantly active virtual RuPay credit card upon approval. Link it effortlessly across UPI apps (Kiwi, BHIM, Google Pay, PhonePe, Paytm) for quick tap and scan payments.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Scan & Pay Merchant QR Spends | 1.5% cashback (as Kiwis) on UPI scan & pay transactions at merchant QR codes (1 Kiwi = ₹1) | No Cap | Standard terms apply |
| Online Spends | 0.5% cashback on online transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Scan & Pay Merchant QR Spends | ₹6,000 | 1.5% cashback (as Kiwis) on UPI scan & pay transactions at merchant QR codes (1 Kiwi = ₹1) | — | None | Calculating... | Under cap |
| Online Spends | ₹6,000 | 0.5% cashback on online transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free); Annual Renewal Fee: ₹0 (Lifetime Free). • Rewards Structure: Up to 2 Kiwi Points per ₹100 spent on merchant UPI payments via the Kiwi app. • Point Valuation & Redemption: 4 Kiwi Points = ₹1. Instant conversion to cash credit directly into bank account or card balance. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at authorized pumps across India. • Exclusions: P2P UPI transfers, rent payments, government levies, wallet loading, and jewelry purchases earn 0 Kiwi Points. • Issuance: Issued primarily as a virtual RuPay credit card linked instantly to the Kiwi app and compatible BHIM/UPI handles.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding PNB Kiwi Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Punjab National Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Paytm AU is a lifetime-free RuPay card offering up to 2% on Paytm UPI and 5% on Paytm Travel and Gold. Its headline 12 family lounge visits are valuable — but only after qualifying Paytm flight bookings.
A lifetime-free RuPay card against a ₹2,000 FD sounds ordinary. 10% rewards on UPI doesn't. We break down the 5% card + 5% novio UPI Coin math, 500-Coin daily cap, Go vs Prime, fuel exclusions, ₹599 early closure fee, and why 10 novio Coins is not ₹10 cashback in 2026.
Roarbank is difficult to judge like a normal credit card because it isn't really sold as one. You get a RuPay credit card bundled with a compulsory Unity SFB savings account. We break down the real savings-first funding architecture, 20% cashback conditions, ₹2,500 monthly cap, and fees in 2026.
Paytm AU is a lifetime-free RuPay card offering up to 2% on Paytm UPI and 5% on Paytm Travel and Gold. Its headline 12 family lounge visits are valuable — but only after qualifying Paytm flight bookings.
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