Update

The Kiwi RuPay CC is making a strong case for your daily RuPay payments.
Here’s why it’s good to have for your digital wallet:

Lifetime Free – No joining or annual fees, ever.

UPI Rewards – Earn up to 1.5% base cashback on every merchant scan.

5% Milestone Boost – Hit your spends and get up to 5% back with the Neon membership.

Direct Cash – Rewards (Kiwis) go straight to your bank account. No complicated catalogs.

Travel Perks – Up to 3 domestic lounge visits per year (via Neon Membership).
It’s virtual, instant, and links to any UPI app.

Expert Tip: If you already have a YES Bank credit card, you won't be eligible for that specific variant—but keep an eye on their AU or PNB partnerships instead!