Everything You Need to Know About Yes Bank’s Kiwi Credit Card

Credit Card
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1️. Lifetime Free Credit Card:

  • No joining fee!
  • Earn Kiwi Points that can be converted into real cash on your credit card statement.

Base Reward Rates (without Neon Subscription):

  • 2 Kiwis on non-UPI spends = 0.5% Cashback
  • 4 Kiwis on UPI spends = 1% Cashback
  • Maximum Cashback in a month = 1% of Credit Limit

2️. Special Offer:

  • Apply for the Yes Bank Kiwi Card by 31st October 2024 to get 1 Year Neon Subscription Free!

3️. Neon Subscription Benefits:

  • Get up to 5% Real Cashback!
  • 2% Cashback on UPI transactions.
  • 0.5% Cashback on non-UPI transactions.
  • Additional cashback and lounge access based on annual spends:
    • Spend ₹50,000: 3% Cashback + 1 Domestic Airport Lounge Voucher.
    • Spend ₹100,000: 4% Cashback + 2 Domestic Airport Lounge Vouchers.
    • Spend ₹150,000: 5% Cashback + 3 Domestic Airport Lounge Vouchers.
  • Milestone Cashback is credited by the end of the next month after reaching spend thresholds.
  • Note: UPI and non-UPI transactions count towards milestones, but certain categories (e.g., fuel, jewelry, etc.) are excluded.

4️. Minimum Transaction for Cashback:

  • A minimum spend of ₹50 is required to earn cashback.

5️. Cashback Conversion:

  • 500 Kiwis are needed to convert into real cashback (equivalent to ₹125).

6️. Kiwi Credit Card Details:

  • Kiwis are credited 30 days after transactions (last day of next month).

7️. Subscription Info:

  • Neon Subscription is mandatory for higher cashback; otherwise, earn only 1% cashback on UPI and 0.5% on other spends.
  • Neon Subscription is optional, maintaining the card as Lifetime Free with basic cashback rates.

8️. Lounge Access without Physical Card:

  • After achieving a milestone, receive a QR code voucher for lounge access in the Kiwi app.

9️. Eligible Airports for Lounge Access:

  • Lounges at almost all domestic airports, including:
    • Mumbai, Delhi, Bengaluru, Chennai, Amritsar, Ranchi, Nagpur, Lucknow, Kolkata, Jaipur, Chandigarh, Goa, and many more!

10. Accessing Full Card Details:

  • Generate an MPIN by clicking “Add your RuPay Credit Card for UPI” in the Kiwi app.
  • Enter the OTP and set your 6-digit MPIN to view full card details.

1️1. Eligibility Restrictions:

  • Existing Yes Bank or Axis Bank Kiwi Credit Card users cannot apply for the Yes Bank Kiwi Credit Card.

1️2. Important Note:

  • Kiwis (cashback) are only credited for UPI payments made through the Kiwi app.