Everything to Know About Kiwi Credit Card Interest Rate in 2026

In a world where seamless payments are the new normal, Kiwi is redefining how India uses credit. This innovative fintech platform was founded in 2022 which allows users to make UPI payments using credit cards, no physical card needed.

By partnering with Yes Bank, Axis Bank, and AU Small Finance Bank, Kiwi offers easy access to credit with just a tap. What truly makes it stand out is its competitive Kiwi credit card interest rate, designed to make everyday spending smarter. 

Let us explore its features, benefits, and why this digital credit solution is gaining popularity.

Discover Kiwi Credit Card Interest Rates and Bank-Specific Perks

Kiwi currently collaborates with 3 banks in India to offer cardless credit card services to its customers by offering credit card services on UPI. Here is a list of the collaborating banks and their corresponding card names.

Partner Banks	Card Name
Yes Bank	Klick RuPay Credit Card
Axis Bank	Axis Bank Kiwi Credit Card
AU Small Finance Bank	AU KOSMO Credit Card

Let us Learn about these Kiwi credit card interest rates and their bank-specific features in detail.

Klick RuPay Credit Card

Yes Bank and Kiwi partnered to produce the Klick RuPay credit card. This card is designed for people to easily make their UPI P2M payments. Moreover, you can experience the modern benefits of a credit card on UPI.

Note: Existing YES BANK credit card holders are not eligible for this card.

Like any other credit card, this card also has its features, benefits and a specific interest-free credit period. Crossing this period without paying the credit amount can attract late fees and Kiwi credit card interest rates. Read more to find out the details.

1. Kiwi Credit Card Interest Rate: 3.80% per month (approx).
2. Interest Free Credit Period: Up to 50 days.
3. Features and Benefits of Klick Rupay Credit Card:

• Zero joining fees, annual fees, or card renewal fees.
• You can avail 2 Rewards for every ₹200 non-UPI spend.
• Using this card at fuel stations, you can avail 1% fuel surcharge waiver.
• The 100% virtual credit card system offers convenience and safety.
• You can earn rewards daily with daily spending.
• Works just like normal UPI.

Axis Bank Kwik Credit Card

The Axis Bank Kwik Credit Card is the result of the collaboration of Kiwi and Axis Bank. This credit card allows you to enjoy dual benefits, including credit card features and benefits and the convenience of UPI payments. You can get a virtual Axis Bank Kwik credit card as soon as your issuer approves your request for the credit card.

This card offers the benefits and perks of a credit card, including a credit amount with a specific interest-free credit period. Crossing this period can cost you applicable late fees and interest charges.

Let us learn more about the Axis Bank Kwik Credit Card.

1. Kiwi Credit Card Interest Rate: 3.6% per month (or 52.86% per annum).
2. Interest on Cash Advances: 3.6% per month (or 52.86% Per Annum)
3. Interest-free Credit Period: 20 to 50 days, depending on the date of transaction.
4. Features and Benefits Axis Bank Kwik Credit Card:

• You can use any UPI app to make transactions on your Axis Bank Kwik Credit Card.
• Every time you spend ₹200 on domestic and international transactions, you will earn 2 EDGE reward points.
• You will receive a virtual card instantly upon credit card approval. You can link it with your UPI and start transactions instantly.
• You will receive your earned reward points within 7 working days, and you can use them thereafter.

AU KOSMO Credit Card

AU Small Finance Bank and a Kiwi fintech company came together to produce the AU KOSMO Credit Card. This card allows you to make cardless credit payments with the help of UPI, and every time you spend on items like groceries, fuel or other daily necessities, you can earn reward points.

Linking UPI with credit cards boosts convenience, accessibility and financial safety. Apart from this, this card is just like a normal credit card with a certain interest-free credit period and applicable late fees, and Kiwi credit card interest rates for crossing the due date without payment.

Here are some details about the AU KOSMO Credit Card.

1. Kiwi Credit Card Interest Rate: 3.75% per month (approx).
2. Interest-free Credit Period: 18 days to 48 days (Subject to the scheme applicable to the specific credit card.)
3. Cash Advance Fees: 2.5% or ₹500, whichever is higher (This depends on the amount withdrawn.)
4. Features and Benefits of AU KOSMO Credit Card:

• You can collect Kiwi reward points for spending on general and necessary expenses.
• An AU KOSMO Credit Card comes with zero annual fees or credit card annual renewal fees.
• You can save 1% on the fuel surcharge up to ₹100 when you spend ₹400 to ₹5000 across all fuel stations in the country.
• Quick and secure transactions of up to ₹5000, without having to enter your PIN.
• This card also offers Add-on options, where you can offer your AU KOSMO Credit Card benefits to your loved ones.

Note: Note: You will not earn Kiwi Rewards on Cash, Rent, Education & Govt, Insurance, EMI, Fuel and BBPS transactions.

Eligibility Criteria for Kiwi Credit Cards

Having a Kiwi Credit card offers the convenience of use, financial flexibility and safety. Well, you must fulfil some basic criteria and have financial credibility to own this card. Here is the eligibility criteria for this card.

• The applicant must be an Indian citizen.
• Applicants between the ages of 21 and 65 are eligible to apply for this card, based on their income type.
• The Add-on cardholder in the AU KOSMO Credit Card must be above 18 years of age.
• Must have a decent income (approximately minimum 4 LPA).
• This option is available for both salaried and self-employed personnel, provided their income is stable.

Documents Required to Get Kiwi Credit Cards

Here are some documents you must have readily available when applying for a Kiwi Credit card.

• Application Form: Duly filled and attested application form.
• Photographs: Recent passport-size coloured pictures.
• Identity Proof: Any one of the KYC documents, including PAN Card, Aadhaar Card, Passport, Driving License, etc.
• Address Proof: Documents including driving license, voter ID card, aadhar card, etc, can be used as residential proof.
• Income Proof: Recent Payslips for salaried employees and Bank Statement, Form 16, or ITR copy for self-employed personnel.

Steps To Apply for Kiwi Credit Cards

Follow the steps below to get a Kiwi Credit card and avail the benefits of cardless credit card features and benefits.

Step 1: Download the Kiwi mobile app from the Play Store or an app store of your choice.

Step 2: Open the Kiwi app and click on apply now for the card you are trying to avail.

Step 3: Next, you need to fill out the application details required and click on submit.

Step 4: After you submit, you can view the status of your card approval via your Kiwi mobile app.

Step 5: Once your request for a Kiwi credit card is approved, you will receive a virtual Kiwi credit card.

Step 6: You can link this card with UPI by setting a UPI PIN for your Kiwi app or your Kiwi Credit Card.

💡Pay your credit card bills in an easy and secure way with the PICE App.

Conclusion

A Kiwi Credit card allows you to make seamless UPI payments while availing the benefits of a Credit card. Moreover, this card has no joining fees or renewal fees, making it a convenient free card for life.There are many benefits to using this card.

However, like any other credit card, you must keep track of your spending and payback capacity. Otherwise, a high Kiwi credit card interest rate will apply, along with late fees, which can hamper your finances.

FAQs