Yes Bank Kiwi RuPay Credit Card Review

Rewards card with lounge access

The Yes Bank Kiwi RuPay is lifetime free (no joining or annual fee). It earns 1.5% back on regular spends and up to 5% on Kiwi, with 3 domestic airport lounge visits a year. Best for: upi-first spenders who opt into neon — our verdict: recommended.

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?

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Calculate Your Value

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Reward Rates

Yes Bank Kiwi RuPay offers 1.5% basic reward rate.

Quick Calculator

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Where

Amount

₹

Kiwi (UPI Scan & Pay) (Upi)

Kiwi (Neon milestone) (Upi)

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

6 data-backed answers from our card database

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

None — the Yes Bank Kiwi RuPay is lifetime free (no joining or annual fee).

What rewards does the Yes Bank Kiwi RuPay credit card give?+

It earns 6 Kiwis per ₹100 spent (about 1.5% back), and up to 5% on Kiwi.

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

Yes — 3 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the Yes Bank Kiwi RuPay credit card?+

Minimum annual income of about ₹3 lakh and a credit score of 720+. Lifetime free RuPay UPI card; min annual income Rs 3 lakh; CIBIL 720+; issued via Kiwi app in partnership with YES Bank.

What is the forex markup on the Yes Bank Kiwi RuPay?+

3.5% + GST on international transactions.

Is the Yes Bank Kiwi RuPay credit card worth it?+

Ready to apply?

No annual fee. Apply on the Yes Bank website.

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