Apply credit card online through a simple digital process and get access to a Credit Card Online without visiting a bank branch. With Kiwi, eligible users can apply for a RuPay credit card, complete verification digitally, and use the approved card for supported UPI merchant payments.

Kiwi offers lifetime-free RuPay credit cards with no joining or annual fee on eligible card variants. Users can also earn cashback on qualifying UPI scan-and-pay transactions and manage their card, rewards, and transactions through the Kiwi app.

Why Apply for a RuPay Credit Card Through Kiwi?

Applying for a credit card digitally can reduce the paperwork and branch visits traditionally associated with card applications.

Kiwi provides a mobile-first application process where eligible users can apply, complete verification, and access their approved card digitally.

Some key benefits include:

• Lifetime-free eligible RuPay credit cards
• No joining or annual fee on applicable cards
• Cashback on eligible UPI merchant transactions
• Fully digital application process
• No bank branch visit required
• RuPay cards compatible with supported UPI payments
• App-based tracking of transactions and rewards
• Access to multiple partner-bank card options

Kiwi states that it serves more than 30 lakh customers across 586+ cities in India.

RuPay Credit Cards Available Through Kiwi

Users can choose from different card options depending on their eligibility and spending requirements.

PNB Kiwi Credit Card

The PNB Kiwi Credit Card is designed for users who regularly make UPI merchant payments.

Key Features

• Lifetime-free card
• No joining fee
• No annual fee
• Minimum 1.5% cashback on eligible Scan & Pay transactions
• Cashback on selected online transactions
• RuPay network compatibility

The card can be considered by users who frequently make everyday payments through merchant QR codes.

Yes Bank Klick Credit Card

The Yes Bank Klick Credit Card is another RuPay option available through Kiwi for eligible users.

Key Features

• Lifetime-free card
• No joining fee
• No annual fee
• 1.5% cashback on eligible UPI Scan & Pay transactions
• Cashback on selected UPI spends
• 1% fuel surcharge waiver, subject to applicable conditions
• RuPay network support

It is structured around everyday UPI and card-based spending.

AU Bank Kosmo Credit Card

The AU Bank Kosmo Credit Card combines eligible UPI cashback with selected lifestyle-related benefits.

Key Features

• Lifetime-free card
• No joining fee
• No annual fee
• 1.5% cashback on eligible UPI Scan & Pay transactions
• 0.5% cashback on selected online payments
• 1% fuel surcharge waiver, subject to the applicable terms
• RuPay network support

The card may suit users looking for a mix of UPI cashback and regular card benefits.

How to Apply for a RuPay Credit Card Online

The Kiwi application process is designed to be completed digitally.

Step 1: Download the Kiwi App

Install the Kiwi app from Google Play or the Apple App Store.

Register using your mobile number and create your account.

Step 2: Select a Credit Card

Review the available RuPay credit cards and select an option based on your requirements and eligibility.

Users may be asked to provide details such as:

• PAN
• Aadhaar details
• Personal information
• Employment details
• Income information

The application is completed through the app.

Step 3: Complete Video KYC

Complete the required Video KYC through your phone.

The verification process may require your original PAN card and other identity details.

Once the bank completes its assessment and approves the application, digital card access can be provided.

Eligibility for Applying

Credit card approval depends on the partner bank's assessment criteria.

Based on the provided information, general eligibility may include:

• Age between 21 and 60 years
• Indian residency
• Salaried or self-employed status
• Income as required by the partner bank
• PAN card
• Credit profile that meets the issuer's criteria

A credit score of 700+ is recommended in the source, but final approval remains subject to the partner bank's credit assessment.

Kiwi does not guarantee card issuance.

Documents Required for the Application

Applicants should keep the required documents ready before beginning the process.

PAN Card

A PAN card is mandatory and the original may be required during Video KYC.

Aadhaar Card

Aadhaar may be required for e-KYC and identity verification.

Income Proof

The bank may ask for income documents depending on the applicant's employment profile.

For salaried applicants, this can include recent salary slips or bank statements.

Self-employed applicants may be asked to provide the latest Income Tax Return.

How RuPay Credit Cards Work With UPI

After approval, an eligible RuPay credit card can be linked to supported UPI functionality.

Users can then make qualifying merchant payments by scanning a QR code and selecting the linked RuPay credit card as the payment method.

This allows users to make UPI payments without directly debiting their savings account for eligible transactions.

Cashback may be earned on qualifying merchant Scan & Pay transactions according to the applicable card and offer terms.

Benefits of Applying Online

Applying digitally can make the process more convenient for users who prefer to avoid branch visits.

The application, verification, and card setup can generally be handled through the mobile app.

Some key advantages include:

• Digital form submission
• Video KYC
• Faster access to an approved virtual card
• No physical paperwork for most stages
• Ability to track the card through the app
• Digital access to cashback and transaction details

Physical card delivery may take around 7–10 working days after approval, according to the provided information.

Things to Check Before Applying

Before submitting an application, users should review the card's terms carefully.

Important factors include:

• Cashback eligibility
• UPI transaction exclusions
• Joining and annual fees
• Partner-bank approval criteria
• Credit limit
• Reward conditions
• Fuel surcharge benefits
• Online transaction cashback
• Physical card delivery timeline

Users should also remember that approval is controlled by the issuing bank and depends on its internal credit assessment.

Conclusion

Users looking to Apply credit card digitally can use Kiwi to complete the process without visiting a bank branch and access an eligible Credit Card Online after approval.

Kiwi provides multiple RuPay credit card options with lifetime-free benefits on applicable cards, cashback on eligible UPI merchant payments, digital KYC, and app-based card management. Applicants should compare the available cards, review cashback terms, check eligibility requirements, and keep the required documents ready before applying.

FAQs

Can I Apply for a RuPay Credit Card Online Through Kiwi?

Yes, eligible users can apply digitally through the Kiwi app, complete Video KYC, and receive card access after approval.

Are Kiwi RuPay Credit Cards Lifetime Free?

Eligible Kiwi RuPay credit cards are offered with zero joining and annual fees, subject to the applicable card terms.

What Documents Are Required to Apply for a Credit Card Online?

Applicants generally need PAN, Aadhaar, and income documents if requested by the issuing bank.