The kiwi axis bank rupay credit card has quickly emerged as a popular choice for users seeking to maximize their rewards and enjoy seamless, hassle-free payments. Whether you’re looking for cashback on daily expenses or exclusive perks like airport lounge access, this credit card offers a range of benefits that cater to various needs.
Table of Contents
In this article, we will explore everything you need to know about the Kiwi Axis Bank Rupay Credit Card. From how it works, key benefits, and fees, to how to get the most out of its rewards program, this comprehensive guide covers it all.
What is the Kiwi Axis Bank Rupay Credit Card?
The Kiwi Axis Bank Rupay Credit Card is a revolutionary credit card that merges the benefits of a traditional credit card with the convenience of the UPI system. This card allows you to make payments via UPI, all while earning rewards on every transaction. It’s designed to offer users an enhanced spending experience with no joining or annual fees, plus a lucrative rewards system.
Why Choose a Rupay Credit Card?
Rupay credit cards, particularly those linked to UPI like the Kiwi Axis Bank Rupay Credit Card, have become increasingly popular due to their ease of use and integration with India’s Unified Payments Interface (UPI). This integration allows cardholders to make secure payments directly through UPI-enabled apps, making transactions quicker and safer.
Unlike Visa or Mastercard, Rupay cards come with lower transaction costs, better acceptance in India, and added security features designed specifically for Indian customers.
Key Features of the Kiwi Axis Bank Rupay Credit Card
5% Cashback on All Payments
One of the biggest selling points of the Kiwi Axis Bank Rupay Credit Card is the 5% cashback offered on every payment, regardless of the amount. Whether you’re paying for a cup of coffee or your monthly rent, you can earn cashback on every transaction.
Interest-Free Period
With an interest-free period on purchases, you can enjoy up to 45 days of zero-interest transactions. This allows you to make purchases without the immediate burden of interest, giving you time to pay off your balance.
Lifetime Free Credit Card
Unlike other credit cards that charge a hefty annual fee, the Kiwi Axis Bank Rupay Credit Card is completely free for life. There are no joining or renewal fees, making it an ideal choice for budget-conscious users.
How to Apply for the Kiwi Axis Bank Rupay Credit Card
Getting started with the Kiwi Axis Bank Rupay Credit Card is simple and quick. Follow these steps:
Step 1: Application Process
Start by filling out an online application through the Kiwi app or Axis Bank’s website. Provide your personal details and financial information as required.
Step 2: KYC Verification
Once your application is submitted, you’ll need to complete the KYC (Know Your Customer) verification process. This step ensures your identity and addresses are verified.
Step 3: Get Your Card
After successful KYC verification, your credit card will be approved, and you should receive it within 72 working hours.
Information in Table format
| Feature | Description | Real-Life Example |
|---|---|---|
| Card Type | Kiwi Axis Bank Rupay Credit Card, combines traditional credit card benefits with UPI integration. | Use for grocery shopping, dining, or paying rent, while earning cashback on all transactions. |
| 5% Cashback on All Payments | Earn 5% cashback on every payment, no matter the amount. | Pay ₹15,000 rent and get ₹750 cashback. |
| Interest-Free Period | Enjoy up to 45 days of zero-interest transactions. | Shop for ₹1,000 groceries and clear the amount within the interest-free period to avoid any charges. |
| Lifetime Free Credit Card | No joining or annual fees, making it free for life. | Get all the benefits of a premium card with zero fees. |
| Application Process | Fill out an online application via the Kiwi app or Axis Bank’s website. | Apply from home in minutes and get your card within 72 hours. |
| KYC Verification | Complete the Know Your Customer (KYC) process online or offline. | Submit your Aadhaar and PAN for quick KYC verification. |
| UPI Compatibility | Link your Rupay credit card to UPI for seamless payments via UPI-enabled apps. | Pay for a ₹200 movie ticket using UPI and earn cashback. |
| Airport Lounge Access | Enjoy complimentary access to select airport lounges with Wi-Fi, refreshments, and other amenities. | Relax at the airport before a flight with free lounge access. |
| Kiwi Rewards Program | Earn Kiwi points for every transaction and redeem them for cash or discounts. | Earn Kiwi points for every ₹1,000 grocery shopping, then redeem them for cashback. |
| Virtual Credit Card Feature | Generate a virtual credit card for secure online transactions. | Safely shop online for ₹1,600 using a virtual card. |
| Security & Data Protection | All transactions are encrypted to ensure the safety of your personal information. | Feel secure when shopping online for ₹200 or making large purchases. |
| Partnerships | Backed by trusted institutions like Axis Bank and NPCI. | Benefit from Axis Bank’s reliable services and NPCI’s secure payments system. |
| Common Issues: UPI Linking | Only Rupay credit cards can be linked to UPI, not Visa or Mastercard. | If you can’t link Visa or Mastercard, it’s due to RBI restrictions. |
| Fees | No joining or annual fees. Late payment fees range from ₹500 to ₹1,200 depending on the overdue amount. | Enjoy ₹0 joining fees, but if you miss a payment of ₹5,500, you’ll be charged ₹500. |
| Interest Rates | 3.6% per month (52.86% annual rate) for overdue and cash advances. | If you carry over a ₹10,000 balance, you’ll be charged ₹360 interest for that month. |
| Real-Life Usage Example | Perfect for daily expenses like groceries, rent, dining, and movies, earning cashback and Kiwi rewards. | Earn cashback on monthly expenses like ₹15,000 rent, ₹1,000 groceries, ₹160 dining, and ₹200 on movies, with an easy application and no annual fees. |
| Delivery Time | You’ll receive the card within 72 hours after approval. | After applying, get the card within 3 working days and start enjoying the benefits right away. |
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Using the Kiwi Axis Bank Rupay Credit Card with UPI
What is UPI?
The Unified Payments Interface (UPI) is a real-time payment system that enables users to make instant bank transfers. By linking your Rupay credit card to UPI, you can make payments at any UPI-enabled merchant with ease.
How to Link Your Rupay Credit Card to UPI
Once you’ve received your Kiwi Axis Bank Rupay Credit Card, link it to your UPI account in a few simple steps:
- Open the UPI-enabled app on your phone.
- Select the option to add a new credit card.
- Enter your Kiwi Axis Bank Rupay Credit Card details.
- Verify via OTP and you’re all set to use your card through UPI.
Airport Lounge Access and Other Premium Perks
As a Kiwi Axis Bank Rupay Credit Card holder, you gain complimentary access to select airport lounges. This perk allows you to enjoy a comfortable waiting experience with free Wi-Fi, refreshments, and other amenities.
The Kiwi Rewards Program
What are Kiwi Rewards?
Kiwi Rewards are points you earn for using your Kiwi Axis Bank Rupay Credit Card. For every transaction, you accumulate “Kiwis,” which can be redeemed for cash or discounts on future purchases.
How to Earn and Redeem Kiwi Points
Each Kiwi point is valued at Rs 0.25 and can be redeemed into your linked Goaxb UPI ID account. Simply check your rewards balance, choose how many Kiwis to redeem, and transfer the amount to your UPI account.
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Monthly Limits and Exclusions
Keep in mind that there are monthly limits to how many Kiwi points you can earn. Certain categories of transactions may also be excluded from earning rewards.
Virtual Credit Card Feature
The Kiwi Axis Bank Rupay Credit Card also offers a virtual credit card feature. This allows you to generate a virtual card number for secure online shopping, which minimizes the risk of fraud.
Security and Data Protection
Safe and Secure Transactions
Security is a top priority with the Kiwi Axis Bank Rupay Credit Card. All transactions are encrypted, ensuring that your sensitive data remains safe.
Partnerships with Axis Bank and NPCI
Kiwi has partnered with trusted institutions like Axis Bank and NPCI to provide a secure and efficient user experience.
Comparing Kiwi Axis Bank Rupay Credit Card with Other Cards
When compared to Visa or Mastercard, the Kiwi Axis Bank Rupay Credit Card offers better value for domestic transactions. Rupay cards come with lower processing fees and are designed to cater to Indian consumers, making them more affordable and efficient within the country.
Common Issues and How to Resolve Them
Why Can’t I Link My Visa/Mastercard Credit Card?
As per RBI regulations, only Rupay credit cards can be linked to UPI. If you’re facing issues linking a Visa or Mastercard, it’s because of this regulation.
How to Fix UPI Linking Issues
If you encounter problems linking your Kiwi Axis Bank Rupay Credit Card to UPI, ensure that the card details are entered correctly and that your mobile number is updated in the bank records.
Fees and Charges
Joining and Annual Fees
The Kiwi Axis Bank Rupay Credit Card is entirely free. There are no joining or annual fees.
Late Payment Fees
- Up to ₹500: NIL
- From ₹501 to ₹5000: ₹500
- From ₹5001 to ₹10000: ₹750
- Above ₹10000: ₹1200
Interest Rates
- Overdue Interest: Monthly Rate 3.6%, Annual Rate 52.86%
- Cash Advances Interest: Monthly Rate 3.6%, Annual Rate 52.86%
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Real-Life Usage Examples
The Kiwi Axis Bank Rupay Credit Card is perfect for everyday expenses. Whether you’re buying groceries, paying rent, or treating yourself to a movie, you can earn rewards on every transaction. For instance:
- Rent Payment: ₹15,000
- Grocery Shopping: ₹1,000
- Dining Out: ₹160
- Movies: ₹200
How Long Does it Take to Get the Kiwi Axis Bank Rupay Credit Card?
After your application is approved, you should receive your Kiwi Axis Bank Rupay Credit Card within 72 working hours
. Delivery time may vary depending on your location.
Conclusion and Final Thoughts
The Kiwi Axis Bank Rupay Credit Card offers an excellent blend of rewards, convenience, and security. With no joining fees, 5% cashback on payments, and UPI compatibility, this card is perfect for users looking to maximize their spending power. The additional perks such as airport lounge access and Kiwi rewards further add to its appeal, making it a strong contender in the Indian credit card market.
FAQs for Kiwi Axis Bank Rupay Credit Card
1. What is the Kiwi Axis Bank Rupay Credit Card?
The Kiwi Axis Bank Rupay Credit Card is a credit card that combines the traditional benefits of a credit card with the ease of UPI payments. It offers users 5% cashback on all transactions and a lifetime free membership, making it ideal for those seeking rewards and convenience. Additionally, it allows users to link the card to UPI for seamless payments.
2. How does the 5% cashback on payments work?
With the Kiwi Axis Bank Rupay Credit Card, you earn 5% cashback on all your transactions, regardless of the amount spent. Whether you’re paying for groceries, dining, or utility bills, you can accumulate cashback rewards that are credited to your account.
3. Is there any joining or annual fee for the Kiwi Axis Bank Rupay Credit Card?
No, the Kiwi Axis Bank Rupay Credit Card is completely free for life. There are no joining fees or annual charges, which makes it an excellent option for those who want to avoid recurring fees.
4. Can I link my Kiwi Axis Bank Rupay Credit Card to UPI?
Yes, you can link your Kiwi Axis Bank Rupay Credit Card to UPI. Once linked, you can use UPI-enabled apps to make payments directly from your credit card, combining the benefits of credit card usage with the convenience of UPI.
5. How do I link my Kiwi Axis Bank Rupay Credit Card to UPI?
To link your Kiwi Axis Bank Rupay Credit Card to UPI, follow these steps:
- Open any UPI-enabled app.
- Select “Add a new credit card.”
- Enter your Kiwi Axis Bank Rupay Credit Card details.
- Verify with the OTP sent to your registered mobile number.
Once done, your credit card will be linked, and you can use UPI to make payments.
6. What is the interest-free period offered by the Kiwi Axis Bank Rupay Credit Card?
The Kiwi Axis Bank Rupay Credit Card offers an interest-free period of up to 45 days on all purchases. This allows you to make payments without incurring interest charges, as long as you clear your balance before the due date.
7. What are Kiwi Rewards and how can I earn them?
Kiwi Rewards are points earned every time you use your Kiwi Axis Bank Rupay Credit Card. For each transaction, you accumulate Kiwi points, which can be redeemed for cash or discounts. The value of one Kiwi point is ₹0.25, and you can redeem them into your linked UPI account.
8. How can I redeem my Kiwi Rewards?
You can redeem your Kiwi points by checking your rewards balance through the Kiwi app. Once you have enough points, select the number you wish to redeem, and transfer the cash equivalent directly into your linked UPI account.
9. What are the security features of the Kiwi Axis Bank Rupay Credit Card?
The Kiwi Axis Bank Rupay Credit Card ensures safe and secure transactions through advanced encryption and data protection methods. Additionally, the card comes with a virtual credit card feature that allows you to generate a virtual card number for online transactions, minimizing the risk of fraud.
10. What premium perks does the Kiwi Axis Bank Rupay Credit Card offer?
As a cardholder, you gain access to premium perks such as complimentary airport lounge access at select domestic airports. This gives you the opportunity to relax and enjoy refreshments while waiting for your flight.
11. What should I do if I face issues linking my Kiwi Axis Bank Rupay Credit Card to UPI?
If you encounter any issues while linking your Kiwi Axis Bank Rupay Credit Card to UPI, ensure that:
- You have entered the correct card details.
- Your registered mobile number with the bank is up to date.
- The UPI app you’re using supports Rupay credit card linking.
If problems persist, you can contact Axis Bank’s customer service for further assistance.
12. What are the late payment fees and interest rates for the Kiwi Axis Bank Rupay Credit Card?
Late payment fees are as follows:
- Up to ₹500: No fee
- ₹501 to ₹5,000: ₹500
- ₹5,001 to ₹10,000: ₹750
- Above ₹10,000: ₹1,200
The interest rate is 3.6% per month (52.86% per annum) on overdue amounts and cash advances.
13. How long does it take to get the Kiwi Axis Bank Rupay Credit Card after applying?
Once your application is approved and KYC verification is completed, you can expect to receive your Kiwi Axis Bank Rupay Credit Card within 72 working hours. Delivery times may vary based on your location.
14. Can I use the Kiwi Axis Bank Rupay Credit Card internationally?
While Rupay cards are primarily accepted in India, select international merchants may accept Rupay cards. For international usage, it is recommended to check the merchant’s payment options.
15. How does the virtual credit card feature work?
The Kiwi Axis Bank Rupay Credit Card offers a virtual credit card feature, allowing you to generate a temporary card number for online transactions. This helps protect your card details during online purchases and reduces the risk of fraud.