SimplifyCards take:A good fit if you want a card built for UPI, lifetime free, and kiwi, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
1.5% cashback on eligible UPI spends via kiwi, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for UPI, lifetime free, and kiwi, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on eligible UPI spends via kiwi, milestone rewards, and no annual fee
Estimate your Cashback And Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And Reward Points rates
| Category | Rate |
|---|---|
| Eligible UPI Spends Via Kiwi | 1.5% cashback |
| Kiwi Neon membership (₹ 999/yr)Eligible UPI Spends Via Kiwi Neon | 2% cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
MilestoneKiwi Neon milestone: 3% cashback on eligible yearly Kiwi App spends of ₹50,000 + 1 lounge access
2
MilestoneKiwi Neon milestone: 4% cashback on eligible yearly Kiwi App spends of ₹1,00,000 + 1 lounge access
3
MilestoneKiwi Neon milestone: 5% cashback on eligible yearly Kiwi App spends of ₹1,50,000 + 1 lounge access
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per month
- Redeem Kiwis instantly as cashback into bank account via UPI at a rate of 4 Kiwis = ₹1
Additional details
- Co-branded credit card issued in partnership with Kiwi (GoKiwi)
- All spends are processed via UPI scan & pay through the Kiwi app, earning 1.5% cashback across all non-excluded categories
- Optional 'Kiwi Neon' annual subscription (₹999/year) upgrades eligible Kiwi App spends to 2% cashback; above ₹1.5 lakh yearly spend continues at 2% unless a Neon milestone applies
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Kiwi approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Kiwi approval criteria
Exclusions
Spending that does not earn cashback and reward points
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- insurance premium payments
- gold or jewellery purchases
- utility and telecom bill payments
- toll and transportation payments
- educational services
- EMI transactions (including post-facto conversions)
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