Just Launched: PNB x Kiwi Credit Card

If you use UPI for everything from buying tea to paying for groceries, you know how convenient it is. But what if you could earn rewards every time you scanned a QR code?

Following its successful partnership with Yes Bank, Kiwi has officially joined hands with Punjab National Bank (PNB) to launch the PNB Kiwi Credit Card. This partnership, announced in April 22, 2026, brings "Credit Card on RuPay" to one of India’s largest public sector bank audiences.

Here is everything you need to know about this digital-first RuPay credit card.

What is the PNB Kiwi Credit Card?

The PNB Kiwi Credit Card is a virtual-first RuPay credit card designed specifically for the Kiwi app. Unlike traditional credit cards that stay in your wallet, this card lives on your phone. You can link it to your UPI ID and scan any merchant QR code to pay using your credit limit instead of your bank balance.

Key Highlights

• Card Network: RuPay (Platinum/Select).

• Fees: Lifetime Free (LTF) for most early users.

• Platform: Exclusively managed via the Kiwi App.

• Reward Type: Direct Cashback.

Top Features and Benefits

1. Earn While You Scan

The biggest highlight is the rewards on UPI spends. Most standard credit cards offer zero rewards for UPI transactions, but the PNB Kiwi card changes that:

• Tiered Cashback: Earn between 0.5% to 1.5% cashback on UPI transactions and online spends.

• Real-time Rewards: You can see your rewards instantly within the Kiwi app.

  

  The "Neon" Secret: How to Get 5% Cashback

  While the standard card is free, Kiwi offers an optional Neon Membership for users who want to maximize their savings.

  • Standard Users: Get a solid 1.5% cashback on all UPI scans for free.

  • Neon Users: By joining the Neon program (₹999/year), you unlock milestone-based rewards that go up to 5% cashback.

    

  How Neon Rewards Work:

  Milestone Spend	Total Cashback Rate	Extra Perks
  Base Spend	2% Instant Cashback	-
  ₹50,000	3% Total Cashback	1 Airport Lounge Access
  ₹1,00,000	4% Total Cashback	+1 Lounge Access
  ₹1,50,000+	5% Total Cashback	+1 Lounge Access

  2. 100% Digital Experience

  Forget about physical paperwork. The onboarding process is completely digital:

  • Instant Issuance: Once approved, your virtual card is ready in minutes.

  • In-App Management: Set your PIN, manage transaction limits, and pay your bills directly through the Kiwi app.

    

  3. Lifetime Free (LTF)

  Most users can get this card without any joining or annual fees. This makes it a great "secondary" card for those who want to earn rewards on small daily spends without worrying about maintenance costs.

  4. Security & Control

  Since it is a PNB-backed card, you get the security of a major public sector bank combined with the modern UI of the Kiwi app. You can toggle international transactions, online usage, and tap-and-pay features with one click.

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  Eligibility and How to Apply

  To apply for the PNB Kiwi Credit Card, you generally need to meet these criteria:

  • Age: 21 to 60 years.

  • Income: Both salaried and self-employed individuals can apply.

  • Bank Account: While having a PNB account is an advantage, it is not always mandatory for the Kiwi platform.

  Steps to Apply:

  1. Download the Kiwi App from the Play Store or App Store.

  2. Verify your Phone Number (linked to your Aadhaar/Bank).

  3. Check Eligibility: Enter your PAN and basic details.

  4. Complete Video KYC: If eligible, you will undergo a quick video call for verification.

  5. Go Live: Once approved, link the card to your UPI ID and start scanning.

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  Is the PNB Kiwi Credit Card Worth It?

  Category	Pros	Cons
  Spending & Rewards	Best for Small Spends: Earn rewards on daily UPI QR scans where most cards give zero.	Low Base Rewards: Without the Neon upgrade, the 1.5% base reward is lower than premium shopping cards.
  Fees & Charges	No Hidden Fees: It is a Lifetime Free (LTF) card with no joining or annual renewal costs.	Membership Fee for 5%: To unlock the top-tier 5% cashback, you must pay the ₹999 Neon fee.
  User Experience	Seamless Integration: The Kiwi app is one of the smoothest for managing "Credit on UPI" and tracking rewards.	Digital-First Limitations: Designed primarily for virtual use; getting a physical card may require an extra request or fee.
  Redemption	Direct Cash: Rewards (Kiwis) convert directly to cash in your bank account—no complicated catalogs.	Redemption Floor: You typically need to accumulate a minimum of 500 Kiwis (₹125) before you can redeem them.
  Access & Trust	PNB Trust: Combines the security of a major public sector bank with modern fintech speed.	Exclusions: No rewards are earned on certain categories like rent, fuel, and government utilities.

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  Final Verdict

  The PNB Kiwi Credit Card is a game-changer for the average Indian consumer who has moved away from cash and toward UPI. By combining PNB’s trust with Kiwi’s fast technology, it offers a rewarding way to manage daily expenses.

If you want a simple, no-fuss card that pays you back for your daily coffee or grocery runs, this is a must-have in 2026.