Kiwi credit card: Credit in Your UPI App

Kiwi Credit Card: A Simple Way to Get UPI Credit

Let’s start with a story. Last week, I needed to pay for groceries but forgot my wallet at home. Luckily, I’d set up the Kiwi Credit Card in my UPI app. In just a few taps, I borrowed what I needed and paid it back later—no panic, no extra apps.

This guide explains how this UPI credit line works, which features make it handy, and how you can set it up in minutes.

How the Credit Line Works

The Kiwi Credit Card isn’t a plastic card—it lives inside your UPI app as a virtual Rupay card. Here’s the flow:

• Open Credit on UPI
• Find “Credit on UPI” in your UPI menu.
• Enter Basic Details
• Provide your name, PAN, and address—just like regular UPI setup.
• See Instant Approval
• The platform checks your CIBIL score (minimum 720) and your income (₹3 lakh a year). Most requests clear in seconds.
• Pay with Credit
• At checkout, choose credit instead of your wallet balance. Funds move instantly.
• Repay Through UPI
• Before the due date, settle your monthly bill via UPI to avoid interest.

This setup is certified by NPCI, so every transaction stays secure and paperless.

Main Features to Note

• No Joining or Annual Fees

There’s no cost to open or maintain this credit line.

• Fully Digital Rupay Credit

You’ll never wait for a physical card—everything is in your phone.

• Android App Support

The service works on most Android UPI applications right now.

• Flexible Payments

Switch smoothly between using your wallet balance or credit at checkout.

• Up to 5% Cashback

Earn rewards automatically as you spend.

What You’ll Earn

Here’s how the cashback structure works:

1. 2% on UPI Payments

Every time you pay via UPI (for bills, recharges, groceries), you get 2% back.

2. 0.5% on Online Shopping

All your web purchases earn at least 0.5% cashback.

3. Tiered Rewards

• 3% on total spends above ₹50,000 in a year
• 4% when you cross ₹100,000
• 5% after ₹150,000 of yearly spending

4. Free Lounge Passes

• Spend ₹50,000 → 1 domestic lounge pass
• Spend ₹100,000 → 2 passes
• Spend ₹150,000 → 3 passes

These rewards add up quickly if you use the credit line for routine payments.

Who Can Apply

Before you request this UPI credit, check that you meet these requirements:

• Age: Between 25 and 60 years
• Credit Score: At least 720 according to CIBIL
• Employment: Must be a salaried individual
• Income: ₹3 lakh or more per year

These criteria help ensure you manage repayments easily.

How to Set It Up

Getting started takes only a few minutes:

1. Launch Your UPI App
2. Tap “Credit on UPI”
3. Complete KYC by uploading your PAN and address proof
4. Link a Bank Account for automatic repayments
5. Wait for Approval—it usually happens right away
6. Start Spending with the virtual card that appears
7. No forms to mail, no plastic card in the post—just credit in your pocket.

Common Questions

1. Is it safe?

Yes. All transactions use UPI’s encryption and Rupay’s secure network.

2. How do I avoid fees?

Repay the full amount each month. There are no hidden charges, only interest if you carry a balance.

3. Can iPhone users apply?

Not just yet. The feature is available on Android UPI apps for now.

4. Who runs this service?

Three founders—Siddharth Mehta, Mohit Bedi, and Anup Agarwal—launched the platform with NPCI approval.

Conclusion

The Kiwi Credit Card brings a small, helpful line of credit right into your UPI app. With zero fees, easy setup, and up to 5% cashback, it’s a simple way to handle those moments when your wallet runs low. If you want a no-fuss credit option, this UPI-based solution is worth exploring.

Note: This article was refined with the assistance of an AI writing tool to improve readability.