cashback
PNB Kiwi Credit Card
RuPay UPI card offering cashback on Scan & Pay and online transactions via Kiwi.
Annual Fee
₹750 + ₹500 physical card fee (waived on ₹1.5L annual spend)
Rewards
1.5% cashback on UPI Scan & Pay, 0.5% on online transactions
Lounge Access
No
Fuel Waiver
1%
Milestone
None
Best For
Digital-first UPI spenders new to credit
Welcome Offer
None confirmed
Type
Cashback
Description
Launched April 2026 via PNB's partnership with fintech Kiwi, this RuPay virtual-first card earns 1.5% cashback on UPI Scan & Pay merchant transactions and 0.5% on online spends, credited directly to the bank account (not points). Includes a 1% fuel surcharge waiver. Managed entirely through the Kiwi app with instant digital onboarding and Video KYC. Ideal for UPI-first spenders new to credit. Note: marketing materials call this "Lifetime Free," but the live application flow shows a real ₹750 annual + ₹500 physical card fee (waived on ₹1.5L spend) - the fee shown here reflects that verified live figure, not the promotional claim.
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