All cards / Equitas Small Finance Bank (Kiwi)
Kiwi RuPay Credit Card
RuPay
Kiwi RuPay Credit Card
Kiwi is a UPI-first fintech that issues its RuPay credit card through Equitas Small Finance Bank, targeting the same credit-on-UPI niche as Slice and Jupiter Edge — a no-fee card meant to be used primarily through UPI scan-and-pay rather than a physical swipe. It's a reasonable pick for someone building a first credit history who already lives on UPI.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping, groceries. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛒 Groceries
2% reward rate
- 🛍️ Shopping
2% reward rate
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Cashback tracked and credited through the Kiwi app, with UPI-linked spends earning at the same rate as regular card swipes
- RuPay credit-on-UPI support, letting the card be used for everyday scan-and-pay UPI transactions
Pros
- + No joining or annual fees
- + Full RuPay credit-on-UPI functionality for scan-and-pay
- + Simple, app-first onboarding and account management
Cons
- − No lounge access, insurance or premium lifestyle benefits
- − Credit limits tend to be conservative for new applicants
- − Equitas SFB has a much smaller branch network than larger private banks for offline support
Best for