# kiwi credit card: Your UPI Credit Made Simple

Let’s break this down: the kiwi credit card brings credit into your favorite UPI app. No plastic card, just a virtual UPI credit card that you can use in a tap. In this Kiwi Credit Card review, we’ll cover how it works, the top Kiwi Credit Card benefits, and easy steps to [kiwi credit card](https://www.finowings.com/Credit-Cards/kiwi-credit-card-features-benefits) apply online.

## How the kiwi credit card Works
Here’s how it all fits together in your UPI wallet:
### 1. Sign Up in Seconds
Open your UPI app, find “Credit on UPI,” and share basic details.
### 2. Choose Credit at Checkout
When you pay, pick credit or your wallet balance. It’s like having a mini credit line in your UPI.
### 3. Pay Back Smoothly
Settle your bill on time through UPI. Keep the cycle going for more spending power.

This “Credit on UPI” service is certified by the National Payments Corporation of India. Kiwi issues a virtual Rupay card in the app, so you get secure, encrypted transactions without any plastic.

## Why Choose the kiwi credit card?
Digital lending just got friendlier. Here’s what makes this UPI credit card stand out:
### Mobile-First Experience
Manage your credit in the UPI app you already use every day.

### Flexible Payments
Switch between wallet cash and credit in one tap.

### Fast, Personalized Offers
Get credit limits that match your history and spending habits.

## Quick Kiwi Credit Card benefits You’ll Love
Let’s explore [Kiwi Credit Card benefits](https://www.finowings.com/Credit-Cards/kiwi-credit-card-features-benefits) one by one:
* Up to 5% Real Cashback
* 2% on all UPI transactions.
* 0.5% on every online purchase.
* 3% cashback when annual spends exceed ₹50,000.
* 4% once you cross ₹100,000.
* 5% at ₹150,000+ yearly spending.

## Lifetime-Free Card
* No joining fee. No annual fee. Ever.
* Free Domestic Lounge Access
* Spend ₹50,000 in a year → 1 free lounge pass.
* Spend ₹100,000 → 2 passes.
* Spend ₹150,000 → 3 passes.

These Kiwi Credit Card benefits make every payment rewarding and add real value to your digital payments.

## Simple Steps to Kiwi Credit Card apply online
Follow these steps to kiwi credit card apply online in minutes:
1. Open Your UPI App
1. Tap “Credit on UPI”
1. Enter KYC Details
1. Link a Bank Account
1. Await Instant Approval
1. Use Your Virtual Card Right Away

That’s all. No paperwork, no waiting for a plastic card to arrive—just instant access to credit in your mobile app.

## kiwi credit card Eligibility & Charges
Check if you qualify before you kiwi credit card apply online:
* Age: 25 to 60 years
* Credit Score: 720+ CIBIL
* Employment: Salaried only
* Minimum Income: ₹3 lakhs per year
* Fees: Lifetime-free (no joining or annual charges)

Knowing these rules upfront helps you glide through approval. You can Aslo check official site <a href="https://gokiwi.in/" rel="nofollow" target="_blank">GoKiwi</a>

## FAQ
### Q: Is kiwi credit card safe to use?
A: Yes! The kiwi credit card uses UPI encryption and Rupay’s secure network. All data is protected.
### Q: How do I apply for the kiwi credit card?
A: In this Kiwi Credit Card review, we saw that you just open your UPI app, tap “Credit on UPI,” enter a few details, and you’re set.
### Q: What are the Kiwi Credit Card benefits?
A: Enjoy up to 5% cashback on UPI and online spends, a lifetime-free card, and free domestic lounge vouchers.
### Q: Who owns the Kiwi Credit Card platform?
A: It’s run by Siddharth Mehta, Mohit Bedi, and Anup Agarwal.
### Q: Can I apply on iPhone?
A: Not yet—only Android users can kiwi credit card apply online right now.
### Q: Is the kiwi credit card truly free?
A: Absolutely. There are no joining fees, annual charges, or hidden costs.

## Conclusion
In our Kiwi Credit Card review, we learned how the kiwi credit card brings a UPI credit card right into your app. With standout Kiwi Credit Card benefits like up to 5% cashback, free lounge access, and zero fees, it’s a friendly way to boost your digital payments. Ready to try? Head to your UPI app and kiwi credit card apply online today—you’ll see why so many are switching to this simple, smart way to pay.