Discover the Yes Bank Kiwi Credit Card—your gateway to a 100% virtual, UPI-integrated credit experience. Enjoy lifetime-free access, no joining or annual fees, and attractive cashback rewards. Ideal for tech-savvy spenders seeking seamless digital payments. Learn about its features, eligibility criteria, and how to apply in this comprehensive guide.
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Introduction: What Is the Yes Bank Kiwi Credit Card?
The Yes Bank Kiwi Credit Card is a digital-first financial product designed to meet the needs of modern consumers. With its 100% virtual setup, UPI integration, and zero annual fees, it’s tailored for individuals who prefer a seamless, tech-driven banking experience.
Key Features of the Yes Bank Kiwi Credit Card
100% Virtual Card Experience
Say goodbye to waiting for a physical card. The Kiwi Credit Card is entirely virtual, allowing you to start using it immediately upon approval.
UPI Integration for Seamless Payments
Integrated with UPI, the Kiwi Credit Card enables direct bank-to-bank transactions, making payments faster and more secure.YouTube
Lifetime Free Card Option
Enjoy the benefits of a credit card without the burden of annual fees. The Kiwi Credit Card offers a lifetime free option, making it an attractive choice for budget-conscious individuals.
No Joining or Annual Fees
In addition to being lifetime free, the Kiwi Credit Card also waives off joining and annual fees, enhancing its appeal.
Rewards and Benefits
Cashback Offers
Earn cashback on various categories, including UPI payments and online spends. These offers can be redeemed against future purchases, effectively reducing your overall expenses.Spicycard
Accelerated Reward Points
Earn accelerated reward points on specific categories like dining, online shopping, and international spends. These points can be accumulated and redeemed for a variety of rewards.
Exclusive Partner Discounts
Enjoy exclusive discounts and offers from Yes Bank’s partner merchants, adding more value to your spending.
Eligibility Criteria For Yes Bank Kiwi Credit Card
Age and Income Requirements
To apply for the Kiwi Credit Card, you must be between 21 and 60 years of age. The minimum income requirement varies depending on the card variant, but generally, a stable income source is necessary.
Required Documentation
Applicants need to provide proof of identity (like PAN or Aadhaar card), proof of address (such as utility bills or passport), and proof of income (bank statements or salary slips).
Fees and Charges
Interest Rates
The interest rate on revolving credit for the Kiwi Credit Card is competitive, but it’s essential to pay off your balance on time to avoid high-interest charges.
Cash Withdrawal Fees
Cash withdrawals using the Kiwi Credit Card come with a fee of 2.5% of the amount withdrawn or a minimum of Rs. 300. It’s advisable to use this feature sparingly due to the associated costs.
Late Payment Charges
Late payment charges vary based on the outstanding balance. It’s crucial to make timely payments to avoid these penalties.
How to Apply for the Yes Bank Kiwi Credit Card
Online Application Process
Applying for the Kiwi Credit Card is straightforward. Visit Yes Bank’s official website or use their mobile banking app to submit your application. The process is entirely digital, ensuring a quick turnaround.
Documents Needed
Ensure you have digital copies of your identity proof, address proof, and income proof ready for upload during the application process.
Managing Your Kiwi Credit Card
Setting Up UPI Payments
Once your Kiwi Credit Card is activated, link it to your UPI ID to start making seamless payments directly from your bank account.
Tracking Reward Points
Use the Yes Bank mobile app to monitor your reward points balance and redeem them for various rewards.
Customer Support and Assistance
For any issues or queries, Yes Bank offers dedicated customer support through their helpline and online chat services.
Pros and Cons of the Kiwi Credit Card
Advantages
- 100% virtual card experience
- UPI integration for seamless payments
- Lifetime free card option
- No joining or annual fees
- Attractive cashback offers and reward pointsBankbazaar
Disadvantages
- Limited acceptance in some regions
- Cash withdrawal fees can be high
- Late payment charges can add upPaisabazaar
Conclusion: Is the Yes Bank Kiwi Credit Card Right for You?
The Yes Bank Kiwi Credit Card is an excellent choice for tech-savvy individuals seeking a digital-first credit card with attractive rewards and no annual fees. Its UPI integration and virtual setup make it a convenient option for everyday spending. However, it’s essential to be mindful of cash withdrawal fees and late payment charges. If you align with its features and benefits, the Kiwi Credit Card could be a valuable addition to your financial toolkit.
Kiwi Credit Card: A Smart Choice for Modern Spenders
FAQs
What is the Yes Bank Kiwi Credit Card?
The Yes Bank Kiwi Credit Card is a 100% virtual credit card designed for seamless digital transactions. It integrates with UPI for easy payments and offers lifetime-free access with no joining or annual fees.
How can I apply for the Kiwi Credit Card?
You can apply for the Kiwi Credit Card through the Yes Bank website or mobile app. The application process is entirely digital, ensuring a quick and convenient experience.
What are the eligibility criteria for the Kiwi Credit Card?
Is the Kiwi Credit Card available for all Indian residents?
Are there any joining or annual fees for the Kiwi Credit Card?
No, the Kiwi Credit Card comes with no joining or annual fees, making it a cost-effective option for users.
Can I use the Kiwi Credit Card for international transactions?
Yes, the Kiwi Credit Card can be used for international transactions. However, it’s advisable to check for any foreign transaction fees before making such payments.
How do I earn cashback with the Kiwi Credit Card?
What is the Neon Subscription, and is it mandatory?
How can I access lounge benefits with the Kiwi Credit Card?
Is the Kiwi Credit Card available on both Android and iOS?
Can I block my Kiwi Credit Card if it’s lost or stolen?
Yes, you can block your Kiwi Credit Card by logging into the Kiwi app. Additionally, you can contact customer support via WhatsApp at 8147039992 or email at service@gokiwi.in.
What should I do if I forget my MPIN?
Are there any cash withdrawal fees associated with the Kiwi Credit Card?
Yes, cash withdrawals using the Kiwi Credit Card incur a fee of 2.5% of the amount withdrawn or a minimum of ₹300, whichever is higher. It’s advisable to use this feature sparingly due to the associated costs.