Kiwi Credit Card
From
AXIS
Powered By
RuPay
Joining fees
₹0
Best for: Cashback
Kiwi Credit Card is Co-branded Virtual Credit card from Axis Bank with KIWI App.The partnership enables Kiwi users to seamlessly access the RuPay lifetime free virtual Axis Bank KWIK credit card through the app.
Joining fees
Zero
Annual Fees
Zero
1 EDGE Value
₹0.20
Card Replacement fee
Zero
Cash Payment fee
100/-
Reward Redemption fee
Nil if Reward Points redeemed is < 300
Main Highlights of Kiwi Credit Card
Kiwi Credit card Fees & Charges
| Description | Charges | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Card Replacement fee | NA | |
| Cash Payment fee | Rs. 100/- | |
| Duplicate Statement Fee | Waived | |
| Charge slip retrieval fee or copy request fee | Waived | |
| Outstation cheque fee | Waived | |
| Mobile alerts for transactions | Free | |
| Balance enquiry charges | Free | |
| Finance Charges (Retail purchases and Cash) | 3.6% per month (52.86% per annum) | |
| Cash Withdrawal Fee | NA | |
| Overdue penalty or Late payment fees | Nil if total payment Due is up to Rs. 500 Rs. 500 if total payment due is between Rs. 501 – Rs. 5000 Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000 Rs. 1200 if total payment due is Rs. 10,001 and above | |
| Over limit penalty | 2.5% of the over limit amount (Min Rs.500) | |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500 | |
| Surcharge on purchase or cancellation of railway tickets | As prescribed by IRCTC/Indian Railways | |
| Foreign currency transaction fee | 3.5% of the transaction value | |
| Reward Redemption fee | Nil if Reward Points redeemed is less than 300 Rs 49 if Reward Points redeemed is between 300 and 10,000 Rs 99 if Reward Points redeemed is greater than 10,000 | |
| Rent Transaction fee (Applicable from 5th March 2023) | 1% capped at INR 1,500 per transaction on rental transactions | |
| Dynamic Currency Conversion markup (Applicable from 5th March 2023) | 1% on international transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation |
Eligibility
Please note that these criteria are only indicative, and the bank reserves the ultimate right to approve or decline applications for the Axis Bank Kwik Credit Card
Eligibility Criteria for the Axis Bank Kwik Credit Card:
- Primary cardholder should be between the age of 18 and 70 years
- The individual should be a Resident of India
Documents required:
Unless there are case variations, the required documents for Axis Bank Kwik Credit Card application include a copy of your PAN card or Form 60, residence proof, identity proof, a colour photograph and proof of income in the form of latest Pay Slip / Form 16 / IT return copy.
Keep your documents for Axis Bank Kwik Credit Card ready
The following documents are required:
- PAN card photocopy
- Colour photograph
- Latest payslip/Form 16/IT return copy as proof of income
- Residence proof (any one of the following):
- Passport
- Driving License
- Voter ID Card
- Aadhaar card
- Identity proof (any one of the following):
- Passport
- Driving license
- Voter ID Card
- Aadhaar card
- PAN card
Please note that this list is only indicative. Documents required may vary on a case-to-case basis
How to Apply Kiwi Credit Card
- Download the Kiwi App here
- Enter Your Details like Mobile Number, Name, Pancard, Address, Salaried/Self Employed etc, Just follow all the Steps.
- On submitting the Form It will take 1-2minutes, If you’re Eligible for the card You’ll get it instantly otherwise it will Decline your Application.
- Still You can use Kiwi app to pay through UPI and earn Kiwis.(4 kiwis = 1₹)
Kiwi Credit Card UPI / Credit Card Link on UPI
- Download the UPI App: You need to download an app like Kiwi, BHIM, or Paytm on your phone.
- Register: Open the app, verify your phone number, and complete the registration process.
- Link Your Credit Card: a. After registration, find and click on the “Link RuPay Credit Card” button. b. Choose the bank that issued your credit card, which is Axis Bank in this case. c. Select your Axis Bank Credit Card to connect it to the UPI app. d. Follow the steps to create a UPI PIN – this is like a secret code to keep your transactions safe.
- Set UPI PIN: a. Look for the “Generate PIN” option and select your Axis Bank RuPay Credit Card. b. Enter the last 6 digits and expiry date of your Kwik Credit Card (you can find this info on the Kiwi app). c. You’ll receive a one-time password (OTP) on your registered mobile number – enter it. d. Choose a PIN that you can remember easily and confirm it.
- Make Payments: a. To pay a merchant, scan their QR code or type in their UPI ID. b. Put in the amount you want to pay, or the app might fill it in for you. c. Pick your Axis Bank Kwik Credit Card as the payment option. d. Enter your UPI PIN and press Confirm. e. You’ll see a message confirming your payment.
- Pay Credit Card Bill: a. Open any UPI app and select the “Pay to UPI Id” option. b. Type in the UPI ID as cc.91@axisbank (for example, cc.9192498680825514@axisbank). c. The cardholder’s name will appear for confirmation. d. Put in the amount you want to pay and your UPI PIN to finish the payment.
- Manage Your Card: a. In the Axis Mobile App, go to the Credit Cards Section. b. Find your Kwik Credit Card and enter the activation code from your welcome letter (either physical or digital). c. You’ll be taken to a page where you can change your card’s control settings.
Remember, these steps make it easier to use your Axis Bank Kwik Credit Card through a UPI app, allowing you to make payments and manage your card with convenience and security.