PNB Kiwi Credit Card
- Joining fee
Lifetime Free
- Annual fee
Lifetime Free
- Best suited for
UPI
- Reward type
Cashback
Rewards
- Rewards rate
1.5% Cashback as Kiwis on Scan and Pay Transactions, 0.5% Cashback as Kiwis on Online Transactions
- Reward redemption
1 Kiwi = ₹0.25
Fees & charges
- Foreign currency markup
3.5%
- Interest rates
3.75% Per Month (45% Per Annum)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver
- Cash advance charges
2.5%
Product highlights
- A lifetime free credit card with no joining or annual fees, making it ideal for beginners.
- Earn 0.5% cashback on online transactions and 1.5% cashback on UPI scan & pay payments.
- Get a 1% fuel surcharge waiver.
- The card is available in both physical and virtual form.
Pros & cons
Pros
- The PNB Kiwi Credit Card is a lifetime free credit card, and it comes in both virtual and physical forms.
Cons
- The card does not offer high-end benefits such as complimentary airport lounge access, travel insurance, and welcome benefits.
- Cashback is earned on every ₹100 spent on the card and is calculated on a multiplier of ₹100.
FAQs
How much cashback can I earn on this card?
You get 0.5% cashback on online transactions and 1.5% cashback on UPI scan-and-pay transactions.
Can I use this card for UPI payments?
Yes, the PNB Kiwi Credit Card works well with UPI apps and gives higher cashback on scan-and-pay transactions.
Does the card offer lounge access?
Lounge access is only available with the Neon membership, which includes 3 free visits per year.
Is there any fuel benefit on this card?
Yes, you get a 1% fuel surcharge waiver when you pay for fuel using this card.