PNB Kiwi credit card credit card
Joining Fee:

FREE

Return Percentage:

1.5% to 5%

Apply Now

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

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Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
Free

No cost to get the card

Reward rate
1.5% to 5%

Depends where you spend

Forex markup
2.75%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

PNB Kiwi credit card — Lounge Access

Domestic lounge

3 per yearyear
  • 3 lounge accesses in a year by reaching higher milestones (₹ 50,000, ₹ 1,00,000, ₹ 1,50,000).
  • 1 lounge access is applicable on hitting one milestone