Joining Fee:
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Return Percentage:1.5% to 5%
Credit Card Overview
A UPI-focused credit card that lets you earn rewards on everyday UPI spends while linking directly to your bank account for seamless payments.
Best Suited For: Cashback
PNB
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 1.5% to 5%
- Forex markup
- 2.75%
- Interest rate
- 45% p.a.
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
PNB Kiwi credit card — Earn Categories
Where you earn more
- UPI via Kiwi8 Kiwis / ₹100
- UPI via Kiwi6 Kiwis / ₹100
Everyday rate
- Base Rewards2 Kiwis / ₹100
1 more earning category on this card
We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Government
- Jewellery
- Utilities
- Agriculture
- Retail
- Education
- Business Spends
- Marketing
- Professional Services
- Insurance
- Transportation
- Wallets
- Fuel
- Rent