PNB Kiwi Credit Card
- Updated On: 13 May, 2026
Earlier, Kiwi launched two co-branded credit cards, AU Kosmo and Klick RuPay Credit Card. Now Kiwi has partnered with PNB and launched a new co-branded credit card. The PNB Kiwi Credit Card is a lifetime free credit card that offers 1.5% cashback on scan and pay transactions, and 0.5% cashback on online transactions. The credit card comes in both physical and virtual forms; users can opt for any. PNB Kiwi is a good choice for users who are new to using credit cards and don’t want to pay a joining fee.
Users who frequently make UPI payments can opt for the PNB Kiwi credit card. Not only that, but users can also take a Neon membership, available for ₹999 + GST. With neon membership, 5% cashback on annual spends of ₹1.5L, 3 free airport lounge visits annually, and instant 2% cashback on every scan and pay transaction.
PNB Kiwi Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1.5% Cashback as Kiwis on Scan and Pay Transactions, 0.5% Cashback as Kiwis on Online Transactions
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
1.5% Cashback as Kiwis on Scan and Pay Transactions, 0.5% Cashback as Kiwis on Online Transactions
Reward Redemption
1 Kiwi = ₹0.25
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver
Cash Advance Charges
2.5%
Product Details
- A lifetime free credit card with no joining or annual fees, making it ideal for beginners.
- Earn 0.5% cashback on online transactions and 1.5% cashback on UPI scan & pay payments.
- Get a 1% fuel surcharge waiver.
- The card is available in both physical and virtual form.
Pros/Cons
Pros
- The PNB Kiwi Credit Card is a lifetime free credit card, and it comes in both virtual and physical forms.
Cons
- The card does not offer high-end benefits such as complimentary airport lounge access, travel insurance, and welcome benefits.
- Cashback is earned on every ₹100 spent on the card and is calculated on a multiplier of ₹100.
1.5% Cashback on UPI Transactions
The PNB Kiwi Credit Card is a great choice for UPI transactions. If you are someone who relies on UPI apps for everyday payments, then the PNB Kiwi Credit Card is a smart pick as the card offers 1.5% cashback on scan and pay transactions. The only drawback is that you will be receiving cashback on every ₹100 spent on the card, and it is calculated on a multiplier of ₹100. Which means if you are spending ₹100, you will be receiving 6 kiwis, and if you are spending ₹145, then you will also be receiving 6 kiwis.
Earn Kiwis on Online Transactions
With the PNB Kiwi Credit Card, you will receive 0.5% cashback as Kiwi points every time you transact money online. Users who constantly shop online can save some money through the PNB Kiwi credit card.
List of Exclusions for Cashback
List of merchants excluded from the reward structure:
- Agriculture Services
- Horticultural & Vet
- Business Services
- Government Services
- Marketing & Advertising
- Professional Services
- Retail Services
- Transportation
- Utilities
- Miscellaneous
Kiwi Neon Membership
Kiwi Neon is an annual membership program that is only available for select users. It has a joining fee of ₹999 + GST. Members under this program get benefits like cashback on annual spends and UPI transactions.
Cashbak on Annual Spend
With Neon Membership, users will get cashback up to 5% on annual spend of ₹1.5 Lakh. Users can save at least ₹10,000 per year with the Neon Membership.
Cashback on UPI Transactions
Every time you scan and pay using your UPI app, you will receive 2% cashback on each and every transaction.
Lounge Access
Neon Membership offers 3 free lounge visits every year. For frequent travelers, this isn’t a bad deal. You can wait at the airport lounge and enjoy the food and comfort.
Zero Joining/Annual Credit Card
The PNB Kiwi Credit Card does not have any joining or annual fees, which makes it a good choice for new users who are going to use the credit card for the first time and do not want to spend much on it.
Bottom Line
The PNB Kiwi Credit Card is a good option if you want a basic credit card without any fees. Since it is lifetime free, you don’t have to worry about paying joining or annual charges, which makes it great for beginners.
The cashback is decent, especially if you use UPI a lot. You get more benefits on scan-and-pay transactions compared to regular online spending, so it suits people who mostly pay through UPI apps in their daily life. The fuel surcharge waiver is also a small plus.
The Neon membership can give you better rewards, but it only makes sense if you spend enough in a year. Otherwise, paying extra for it may not be worth it.
FAQs:
How much cashback can I earn on this card?
You get 0.5% cashback on online transactions and 1.5% cashback on UPI scan-and-pay transactions.
Can I use this card for UPI payments?
Yes, the PNB Kiwi Credit Card works well with UPI apps and gives higher cashback on scan-and-pay transactions.
Does the card offer lounge access?
Lounge access is only available with the Neon membership, which includes 3 free visits per year.
Is there any fuel benefit on this card?
Yes, you get a 1% fuel surcharge waiver when you pay for fuel using this card.
6 comments
Nedunuri Haritha
i want credit card good going
Nedunuri Haritha
i want credit card
Nedunuri Haritha
Credit card
Nedunuri Haritha
Good to hear
Yuvraj
As someone who pays mostly through UPI, the PNB Kiwi Credit Card has been useful, especially the 1.5% cashback. No fees, no hassle, feels good to finally earn rewards on everyday QR payments.
Aarav Chopra
Between PNB Kiwi Credit Card and AU Kosmo, which one gives better value for regular monthly spends?