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Yes Bank Kiwi RuPay Credit Card: Fees, Rewards & Benefits

Rewards card with lounge access

Vyaya Team · Jun 2026
5 min read
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Value Score
8.0 / 10
Annual Fee
₹0
Best For
UPI-First Spender, Milestone Chaser
Network
RuPay
Expert Verdict

The Yes Bank Kiwi RuPay is a lifetime-free UPI-linked card with strong Scan & Pay cashback that scales to ~5% via the paid Neon plan and milestone lounge access. A 0.25 INR point value, heavy category exclusions and the Rs. 999 Neon dependency mean value hinges on UPI-first usage.

YES BANKRuPay
Yes Bank Kiwi RuPay
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REWARD SUMMARY
1.5% Base Rewards
Rewards card with lounge access
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The Bottom Line

The Yes Bank Kiwi RuPay is built for upi-first spender and milestone chaser. With no annual fee, it offers 2% rewards on kiwi (upi scan & pay) (upi) and airport lounge access. It makes the most sense if your spending matches upi-first spender and milestone chaser.

It earns a base reward rate of 1.5% and stacks best when your spending lines up with UPI-First Spender, Milestone Chaser.

What we like
+Lifetime free RuPay card that links to UPI, letting you pay and earn via Scan & Pay.
+Strong UPI earning starting at 8 points per INR 100 via Kiwi Scan & Pay, scaling up to 20 per INR 100 (effectively up to 5% cashback) via Neon milestones.
+Milestone-driven domestic lounge access: up to 3 complimentary visits per year on reaching INR 50k/1L/1.5L annual spend (Neon members).
+1% fuel surcharge waiver across stations, capped at Rs. 250/month (~Rs. 3,000/year).
+Low 2.75% forex markup for an entry-level card.
What we don't
–Reward points are worth only 0.25 INR each.
–Best cashback rates (up to 5%) and lounge milestones require the paid Kiwi Neon subscription at Rs. 999 + taxes/year.
–Extensive exclusions: education, fuel, gift cards/wallets, government, insurance, jewellery, rent, telecom and utilities earn no cashback.
–Base lounge access is only 3 domestic visits and zero international.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
UPI-First Spender

Users who pay via UPI through the Kiwi app and want elevated cashback (up to 5% with Neon) on Scan & Pay on a lifetime-free card.

+
Milestone Chaser

Those willing to take the Neon subscription and hit INR 50k-1.5L spend tiers for higher cashback and lounge visits.

Probably not for

Skip
–
Broad-Category Spender

The long exclusion list (utilities, telecom, rent, insurance, fuel and more) means many everyday spends earn nothing.

–
Subscription-Averse User

Those unwilling to pay Rs. 999/year for Neon get only the base 2% UPI rate.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual feeFREE
Net Value (Year 1)+₹0
Net Value (Year 2+)+₹0

Sign in for personalized estimates based on your actual spending

Reward Rates

Yes Bank Kiwi RuPay offers 1.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Kiwi (UPI Scan & Pay) (Upi)
2%
Kiwi (Neon milestone) (Upi)
3%
Kiwi (Neon milestone) (Upi)
4%
Kiwi (Neon milestone) (Upi)
5%

Welcome Offer

Welcome Benefit

Milestone Benefits

Spend ₹50,000

Neon members: UPI cashback rate raised to 3% plus 1 complimentary domestic lounge access on reaching Rs. 50,000 annual spends.

Spend ₹1,00,000

Neon members: UPI cashback rate raised to 4% plus 1 additional complimentary domestic lounge access on reaching Rs. 1,00,000 annual spends.

Spend ₹1,50,000

Neon members: UPI cashback rate raised to 5% plus 1 additional complimentary domestic lounge access on reaching Rs. 1,50,000 annual spends (total 3 lounge visits/year).

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹3 Lakhs
  • Min Credit Score: 720
  • Lifetime free RuPay UPI card; min annual income Rs 3 lakh; CIBIL 720+; issued via Kiwi app in partnership with YES Bank.

Exclusions & Terms

Forex markup

  • Foreign currency markup

Cash encashment / unfair credit card usage merchants

  • Does not earn cashback. Merchants enabling cash encashment or unfair usage of credit cards are excluded.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the Yes Bank Kiwi RuPay?+

The Yes Bank Kiwi RuPay has no annual fee (lifetime free).

What rewards does the Yes Bank Kiwi RuPay offer?+

It earns Kiwis, with accelerated earning on Rewards.

Does the Yes Bank Kiwi RuPay offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

No annual fee. Apply on the Yes Bank website.

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