Kiwi: Rupay Credit Card on UPI

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About this app

Join the Credit on UPI revolution. Kiwi is here to change the payment landscape for Credit & UPI.

Kiwi offers UPI-enabled virtual RuPay Credit Card, through which you can make UPI payments, both from saving and credit card, to any merchant.

Why Choose Kiwi?

Pay Anywhere, Everywhere - Night or Day, Restaurant or Roadside vendor, the virtual credit card in the Kiwi app, lets you make the UPI payment to all your favorite outlets in no time.

Instant Credit Card - No more waiting for days to have a Credit Card. Get your Virtual Rupay Credit Card within minutes. It’s quick, simple and effortless.

Free for life - When you apply for the virtual credit card on Kiwi, we will never ask you to pay joining fees or any annual charges. The virtual credit card will always be free.

Convenience of Credit. Speed of UPI - The best of both worlds combined. Your UPI-enabled Virtual Credit Card gives you the power of a credit without adding weight to your wallet . All your Credit Card payments are now just a scan away.

Evergreen rewards - Tired of getting scratch cards that never work for you? Every time you scan your Credit Card to pay, you get Kiwis which you can redeem whenever you want to get cashback in your savings account instantly.

The best app to pay via Credit Card on UPI is here.

Features of Kiwi:

Pay via Credit Card on UPI: All your merchant payments on UPI with your Credit Card
Pay anyone via UPI: Pay to your friends & family via saved contacts, phone number or UPI ID
Check your Credit Score: Keep track of your Credit Score with just a few clicks
Assured rewards: Cashbacks on all merchant payments using your Credit Card on UPI

What is “Credit Card on UPI”?

UPI initially allowed users to make payments only through bank accounts
This new feature, approved by RBI, allows users to now use their Rupay Credit Card to make merchant payments by scanning the QR code without having to carry the credit card

How to use a Credit Card to make payments on UPI?
Download the Kiwi app
Just fill in your personal details, career details and complete the KYC
Get your Credit Card on the app itself within minutes*
The card gets linked to your Kiwi UPI ID automatically
That’s all! You can start using your new Virtual Credit Card instantly on UPI

Pay with Credit Card on UPI, get 50-day interest period and earn cashbacks. Download Now!

*Card issuance is subject to approval by the Bank
Updated on
Nov 29, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

What's new

This release 0.96 is packed with Bug fixes & Enhancements to make your experience even more seamless and convenient.
Thank you for being part of Kiwi family and we look forward to continuing to serve you with the best experience possible.
Love from Kiwi Team