Kiwi Referral Code: Get ₹100 Cashback + 1.5% UPI Scan & Pay
The Kiwi app is a digital banking platform that offers a RuPay credit card which helps you earn up to 2% cashback (Neon users) or 1.5% (regular users) on Scan & Pay transactions. With lifetime free options, it is widely considered the best credit card for UPI payments in India. Join the Kiwi Neon membership for exclusive 5% milestone rewards and apply with a RuPay invite code today.
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How to sign up with Kiwi referral code?
- 1
Download the Kiwi App from Play Store/App Store using the link.
- 2
Sign up with your mobile number and complete the basic profile.
- 3
Enter our 6-digit Kiwi app invite code during the credit card application.
- 4
Wait for your digital RuPay Credit Card to be issued.
- 5
Make your first UPI transaction with the Kiwi card to claim ₹100 cashback.
How to refer Kiwi app
- 1
Open the Kiwi app and navigate to the "Refer & Earn" section.
- 2
Copy your unique referral link or invite code.
- 3
Share it with friends. Once they get their card and make their 1st UPI spend, you earn ₹1200.
- 4
Track your rewards directly in your Kiwi Kiwis balance.
Kiwi Referral Reward Proof
Key benefits of using Kiwi
Up to 2% Cashback on UPI Scan & Pay Transactions
Regular users get 1.5% cashback on UPI Scan & Pay (merchant QR codes), while Kiwi Neon members enjoy an accelerated 2% reward. This is one of the highest cashback rates in the industry for UPI spends.
Exclusive Kiwi Neon Rewards (Up to 5% Milestone Payout)
Enrolling in Kiwi Neon unlocks monthly rewards capped at 1% of your credit limit and high-value milestone payouts: 3% on ₹50k, 4% on ₹100k, and 5% on ₹1.5L annual eligible spends.
Airport Lounge Access via Milestone Completion
Unlock complimentary airport lounge access by achieving spend milestones. Achieve ₹50,000, ₹1L, or ₹1.5L spends to trigger high-quality lounge passes valid for 6 months.
Transparent Rewards (4 Kiwis = ₹1 Value)
Kiwi rewards you in 'Kiwis'. 4 Kiwis equal ₹1. You can redeem them directly into your linked bank account once you accumulate 500 Kiwis (₹125 value).
RuPay Credit Card Benefits with UPI Integration
Being a RuPay card, you can link it to any UPI app (Kiwi, Google Pay, PhonePe) to pay merchants directly from your credit line, earning rewards where others earn nothing.
Frequently Asked Questions
Tap to view answers
What are the Joining and Annual charges for the Kiwi Credit Card?
The Kiwi RuPay credit card is typically issued as a 'Lifetime Free' (LTF) card with ₹0 joining fee and ₹0 annual fee for most users. However, for exclusive benefits, users can opt for the 'Kiwi Neon' membership which has an annual fee of ₹999 + taxes. Always check your specific offer in the app before applying.
Is Kiwi really giving 1.5% cashback on everything?
No, Kiwi does not provide flat 1.5% cashback on all transactions. The 1.5% (or 2% with Neon) is mainly applicable on UPI Scan & Pay transactions. Online payments typically earn 0.5%, and some categories like fuel, rent, utilities, and government payments are excluded.
Which transactions are excluded from earning rewards on Kiwi?
| Category | Excluded Transactions |
|---|---|
| Agricultural Services | Agricultural Services and Cooperatives |
| Horticultural & Vet | Horticultural, Landscaping, and Veterinary Services |
| Business Services | Auto Rentals, Repairs, Paint Shops, and Jewelry/Watch Repair |
| Government Services | Tax Payments, Court Costs, Postal Services, and Fines |
| Marketing & Advertising | Direct Marketing and Advertising spends |
| Professional Services | Legal, Accounting, and Educational Institutions |
| Retail Services | Auto Dealers, Fuel Stations, Jewelry, and Petroleum |
| Transportation | Bridge Fees, Tolls, and Misc. Transportation Services |
| Utilities | Cable, Telecom, Electricity, and Water |
| Miscellaneous | Financial Institutions, Insurance, Real Estate, and Gift cards |
What is Kiwi Neon Membership? Benefits & Charges Explained
Kiwi Neon is a premium membership offered by Kiwi that enhances your credit card rewards. It comes with an annual fee of ₹999 (plus GST) and provides benefits like 2% cashback on UPI scan & pay transactions, milestone-based rewards up to 5%, and lounge access on eligible spends. It is best suited for users who frequently use UPI payments, as regular usage helps recover the membership cost through higher cashback earnings.
How much cashback can I earn per transaction with and without Kiwi Neon?
| Transaction Type | Kiwi Neon Membership | Regular Kiwi User |
|---|---|---|
| Unlimited Scan & Pay (UPI QR) | 2% Cashback | 1.5% Cashback |
| Online / In-app Merchant Spends | 0.5% Cashback | 0.5% Cashback |
| Annual Milestone (₹50,000 spend) | 3% Effective Cashback | N/A |
| Annual Milestone (₹1,00,000 spend) | 4% Effective Cashback | N/A |
| Annual Milestone (₹1,50,000 spend) | 5% Effective Cashback | N/A |
What is the value of 1 Kiwi reward point?
The value of 1 Kiwi point is exactly ₹0.25 (25 Paisa). Since 4 Kiwis equal ₹1, you can redeem them directly to your bank account via UPI once you reach the minimum threshold of 500 Kiwis.
How to get Kiwi Neon for free?
Currently, Kiwi Neon is a premium membership with an annual fee of ₹999 + GST. While you cannot get it entirely for free upfront, you can easily recover the cost through its 2% cashback on UPI scans and high-value milestone rewards (up to 5% effective cashback). Watch out for limited-time promotional offers where joining fees might be waived.
How do I redeem my Kiwi cashback (Kiwis)?
Redemption is simple. Once you reach 500 Kiwis (worth ₹125), you can redeem them in multiples of 500 directly to your linked bank account via UPI. 4 Kiwis = ₹1.
Does Kiwi support milestone rewards for lounge access?
Yes, Kiwi Neon members get complimentary lounge access upon reaching spend milestones of ₹50k, ₹1L, and ₹1.5L in a year. Once a milestone is hit, the lounge pass is unlocked in the app home page.
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