All cards / Axis Bank
Axis Bank KWIK RuPay Credit Card
A partnership with fintech Kiwi to issue an instant virtual RuPay-on-UPI card with essentially no onboarding friction — the reward rate is unremarkable but the near-zero-effort issuance and UPI-linking make it a fast way to get a RuPay credit line for UPI spending. It's best suited to someone who wants a second, disposable-feeling RuPay credit line linked to an existing UPI app for everyday Scan & Pay purchases, rather than as a primary rewards-earning card, since the flat 1% rate and redemption fee erode most of the value on modest balances.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions, with no stated minimum transaction size, so even smaller fuel top-ups qualify
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: ₹49–₹99 redemption processing fee applies on EDGE Reward point redemptions
- Foreign currency markup: 3.5%
- Cash advance charges: Not applicable — virtual RuPay-on-UPI card, no cash withdrawal facility
Benefits
- 1% fuel surcharge waiver on fuel transactions, with no stated minimum transaction size, so even smaller fuel top-ups qualify
- 2 EDGE REWARD Points per ₹200 spent (1% effective rate), including on eligible UPI transactions above ₹2,000 — a flat, uncomplicated earn rate with no category exclusions to track
Pros
- + Instant virtual card, activatable straight from a UPI app
- + No joining or annual fee
- + Rewards on UPI spend above ₹2,000, not just card-swipe transactions
- + Flat, predictable 1% rate with no category exclusions to track
Cons
- − Flat 1% reward rate with no category acceleration
- − Reward redemption carries a ₹49–₹99 fee, eating into value for small redemptions
- − No lounge access or travel perks
- − Rewards are gated behind a ₹2,000 minimum for UPI transactions specifically