lifetime-free
Axis Bank Kwik RuPay Credit Card
Lifetime-free RuPay card for the Kiwi app, offering instant virtual issuance and UPI rewards.
Annual Fee
₹0 (Lifetime-free)
Rewards
2 EDGE Points/₹200 (0.4%)
Lounge Access
No
Fuel Waiver
1% (₹400-4K, ₹150/mo cap)
Milestone
None
Best For
UPI-first users wanting instant virtual card issuance
Welcome Offer
None
Type
Lifetime-Free (RuPay, UPI-linked)
Description
A lifetime-free RuPay card issued through the Kiwi app, delivering an instant virtual card on approval for immediate UPI use. Earns 2 EDGE Points per ₹200 spent domestically and internationally (0.4% reward rate). No joining or annual fee. Includes a 1% fuel surcharge waiver (capped ₹150/month). No lounge access. Particularly useful at small merchants in rural and semi-rural areas that don't accept traditional card payments.
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