KIWI Axis Bank Credit Card | Lifetime Free | Flat 1% Cashback on UPI Payment

  • Flat 2% Cashback for Waitlist users and Flat 1% Cashback on Scan & Pay
  • Kiwi app is expected to go live by mid May but the website is ready for users to register and join the waitlist
  • Kiwi will offer RuPay credit card to users to make UPI payments


KIWI, a platform launched by Siddharth Mehta, Mohit Bedi, and Anup Agrawal, who are known for their work with freecharge, LazyPay, and PayU, has introduced a lifetime free credit card.

By using this card, you can earn a flat 1% cashback on UPI payments. This virtual credit card is powered by Rupay, Axis Bank, and UPI, and it is said to be universally accepted.


  • The credit card is free for a lifetime.
  • The onboarding process is simple and fast.
  • You will receive cashback on every successful payment made through the Kiwi Axis Bank Rupay Credit card.
  • flat 1% cashback on kiwi

  • The cashback amount will be directly deposited into your bank account.


As of now, there is no further information available about the eligibility criteria for obtaining the card. However, it appears that minimal verification and criteria will be required to acquire it. Currently, the platform has only opened a waitlist for the card.

To obtain this lifetime free credit card, you can register for the waitlist. It may be worth considering, as there is no cost associated with the card.

join waitlist

It is a well-known fact that during a platform's initial stage, they tend to offer attractive and enticing deals. However, once they become established and well-known, these offers may become less generous. This pattern has been observed with platforms like Paytm, Cred, and others. Thus, joining a platform during its initial stage can provide a range of benefits that come with being part of its launch.

UPI payments with your credit card on Kiwi

The leadership expects to onboard 2 Mn users in eighteen months

Kiwi, a credit card platform, has announced the launch of its all-in-one “Credit on UPI,” solution for customers. Certified by the NPCI, Kiwi is the first app in India that will help customers experience “Credit on UPI” by issuing Rupay Cards in partnership with banks.

With this launch, the company aims to create one of the largest direct-to-consumer (D2C) models in the credit market through its mobile application, which offers users the ability to make payments using either a credit card or bank account directly through their phones in a secure manner.

Speaking about the launch, Siddharth Mehta, co-founder, Kiwi, said, “UPI has become the most inclusive mode of payment in India, with over 30 crore unique users and 5 crore merchants onboarded on the platform. With the launch of Kiwi app, for the first time in India, users can now leverage the power of a (RuPay) credit card with the convenience and ease of UPI. Our vision is to enable access to credit on UPI for 1 million users over the next 18 months.”

Kiwi users will be issued a RuPay credit card, digitally and instantly. Post receiving the card, users will be able to link the card to UPI on the app and will be able to use the “Credit on UPI” transactions facility at offline as well as online stores. The Kiwi app will also help users manage their cards with a host of facilities like blocking cards, increasing limits, and making card payments while rewarding them for every transaction.

Praveena Rai, COO, NPCI said, “In our step towards attaining the goal of ‘Digital Payments for All’, Kiwi will be a game-changer in the Indian credit card industry. With the monthly expenditure on UPI P2M transactions amounting to approximately Rs. 3.2 lakh crore, which is almost 2.5x larger than the monthly credit card spends, Kiwi is set to capitalize on a significant untapped market. Looking at the whitespace that Kiwi is addressing, we’re confident that their model will support plenty of Indian credit card users on a daily basis.”


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