Quick answer: Use Kiwi referral code to get a ₹100 joining reward and 1.5% cashback on UPI payments for new users who receive their lifetime free Kiwi credit card.
You are at a local chai stall or a grocery store in Bangalore, and instead of digging for cash or using your bank balance, you scan the QR code using a credit line. This is exactly what Kiwi enables by bridging the gap between credit cards and UPI. Using a Kiwi referral code during your sign-up process lets you start this experience with a bit of extra cash in your pocket.
💰 What You Actually Get
Kiwi isn't just another payment app; it is a fintech platform providing a lifetime free RuPay credit card. The primary draw here is the ability to perform Scan & Pay transactions via UPI using credit, which is still relatively rare for many users.
New users who sign up and successfully receive their card get a ₹100 joining reward. Beyond the initial bonus, the real value lies in the ongoing savings. You earn a flat 1.5% cashback on every eligible Scan & Pay UPI payment. For someone who spends heavily on daily essentials, dining, and quick commerce, this percentage adds up quickly compared to standard debit cards that offer nothing.
📲 How to Claim Your Bonus
Getting your rewards requires a few specific steps. Since this involves a credit card, the process is more involved than a simple app download.
- Download the Kiwi app from the Play Store or App Store.
- Register using your mobile number and complete the basic profile setup.
- Enter Kiwi referral code during the onboarding process to link your account to the offer.
- Apply for the lifetime free RuPay credit card within the app.
- Complete your digital KYC process using Aadhaar and PAN.
- Wait for the bank to review your application and approve the card.
- Once your physical or virtual card arrives, the ₹100 joining reward is credited to your account.
📝 Eligibility and Fine Print
Because this is a credit product, not everyone will be approved instantly. You must meet the standard bank approval criteria to get the card. This means your credit score and income stability will be checked by the lending partner.
To qualify for the rewards, you must be a new user. The ₹100 joining reward is only triggered after the card is successfully approved and delivered. If your application is rejected due to a low credit score or incorrect KYC documents, you won't receive the bonus.
Regarding the cashback, the 1.5% rate applies specifically to Scan & Pay UPI transactions. Other types of transfers or payments might not qualify for this specific rate. It is also important to remember that ReferralHunt is an independent site; we provide the codes, but the final approval rests entirely with Kiwi and their banking partners.
🤔 Is Kiwi Worth It?
If you are tired of managing multiple wallets and want the convenience of a credit line for small UPI payments, this is a strong choice. The fact that the card is lifetime free removes the stress of annual fees, making it a low-risk addition to your financial toolkit.
However, there is a catch. The credit score checks apply strictly. If you have a poor credit history, you might find the application process frustrating. Additionally, while 1.5% cashback is competitive, you should monitor the eligible categories to ensure your specific spending habits align with the reward structure.
For the person sharing the code, the incentive is higher. Referrers earn ₹500 once their referred friend successfully gets their card, making it a lucrative way to help friends upgrade their payment game.
❓ FAQ
Do I have to pay an annual fee for the Kiwi card?
No, the Kiwi RuPay credit card is lifetime free, meaning there are no joining or annual maintenance charges regardless of your spending volume.
When will I receive the ₹100 joining bonus?
The bonus is credited only after your credit card application is approved and the card has arrived. It is not given immediately upon app installation.
Is KYC mandatory for this offer?
Yes, because this is a regulated financial product involving a credit card, completing a full KYC process with valid Indian government ID is mandatory.
