Card Image
Kiwi Axis UPI
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00
Normalized to balance base rate with bonus categories
Interest Rate
36.00%
Credit Score
600+
At a Glance
Key Benefits
Lifetime free, 1% cashback, works on UPI apps like PhonePe, Google Pay
Lounge Access
No lounge access
Eligibility
Min Rs 10,000/month income, Age: 18-55, Credit score: 600+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
36.00% p.a.
#45
Forex Markup
3.50%
#75
Rewards/₹100
₹1.00
#190
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
600+
#8
Min Monthly Income ₹NaN
Network RUPAY
Late Payment Fee ₹300
Cash Advance Fee 2.50% (min ₹300)
Reward Structure
Base
All Spends
₹1.00 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned1
Cash Value₹1
Breakdown
Other Spends1
Total Value₹1
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Quick Analysis
The Kiwi Axis UPI is a straightforward lifetime free credit card from Axis Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Frequently Asked Questions
Is Kiwi Axis UPI card free?
Yes, this is a lifetime free card with no joining or annual fees.
Can I use this card on UPI apps?
Yes, you can link this RuPay card to UPI apps like PhonePe, Google Pay, and Paytm.
What is the cashback rate?
You get 1% cashback on all spends up to Rs 100 per month.
How do I apply for this card?
Apply through the Kiwi app with instant approval based on your income and credit profile.
Can I use this card internationally?
No, this is a RuPay card and works only in India.
User Reviews
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