Kiwi: Rupay Credit Card on UPI 4+

Virtual UPI Card | Scan & Pay

G0 Kiwi

Designed for iPhone

    • Free

iPhone Screenshots


"Join the Credit-UPI revolution. Kiwi is here to change the payment landscape for Credit & UPI.

Kiwi offers UPI-enabled virtual RuPay Credit Card, through which you can make UPI payments to any merchant.
Why Choose Kiwi?

Instant Credit Card - No more waiting for days to have a Credit Card. Get your virtual Rupay Credit Card within minutes. It’s quick, simple and effortless.
Free for life - When you apply for the virtual credit card on Kiwi, we will never ask you to pay joining fees or any annual charges. The virtual credit card will always be free.
Convenience of Credit. Speed of UPI - The best of both worlds combined. Your UPI-enabled Virtual Credit Card gives you the power of a credit without adding weight to your wallet . All your Credit Card payments are now just a scan away.

Pay Anywhere, Everywhere - Night or Day, Restaurant or Roadside vendor, the virtual credit card in the Kiwi app, lets you make the UPI payment to all your favorite outlets in no time.
Evergreen rewards - Tired of getting scratch cards that never work for you? Every time you scan your Credit Card to pay, you get Kiwis which you can redeem whenever you want to get cashback in your savings account instantly.

The best app to pay via Credit Card on UPI is here.

Features of Kiwi:
1. Pay via Credit Card on UPI: All your merchant payments on UPI with your Credit Card
2. Pay anyone via UPI: Pay to your friends & family via saved contacts, phone number or UPI ID
3. Check your Credit Score: Keep track of your Credit Score with just a few clicks
4. Assured rewards: Cashbacks on all merchant payments using your Credit Card on UPI

What is “Credit Card on UPI”?

1. UPI initially allowed users to make payments only through bank accounts
2. This new feature, approved by RBI, allows users to now use their Rupay Credit Card to make merchant payments by scanning the QR code without having to carry the credit card

How to use a Credit Card to make payments on UPI?

1. Download the Kiwi app
2. Just fill in your personal details, career details and complete the KYC
3. Get your Credit Card on the app itself within minutes*
4. The card gets linked to your Kiwi UPI ID automatically
5. That’s all! You can start using your new Virtual Credit Card instantly on UPI

Pay with Credit Card on UPI, get 50-day interest period and earn cashbacks. Download Now!

Note: Card issuance is subject to approval by the Bank"

What’s New

Version 4.0

Welcome to Kiwi App Version 34.0:

We're thrilled to introduce Kiwi App version 3.6, packed with new features and enhancements to make your experience even more seamless and convenient.
1. Detailed Transaction History:

Explore comprehensive transaction details, including refunds and repayments, under the new "Transaction History" section within the "Axis Bank Credit Card" feature. Stay informed about every aspect of your financial transactions.
2. Raise Complaints for Transactions:

Encounter an issue with a transaction? Now you can effortlessly raise a complaint directly through the app.
3. Bug Fixes and Performance Improvements:

We've diligently addressed various bugs and issues reported by users to significantly enhance the app's stability and performance. Enjoy a smoother and more reliable experience with this update.
4. Introducing Custom UPI Creation:

Exciting news! Now, you have the power to create your own UPI (Unified Payments Interface) within the Kiwi app. Personalize your UPI experience for seamless and secure transactions.
Thank you for being part of the Kiwi family. We look forward to continuing to serve you with the best experience possible. Love from Kiwi Team.

Ratings and Reviews

4.3 out of 5
884 Ratings

884 Ratings

Rockstarshubham ,

Needs a ton of improvements

Hey Developers,

1. Add scan&pay shortcut on iOS Lock Screen
-Nobody goes to the app to open up the QR scanner. Check Paytm, CRED, PhonePe for it.

2. Add long press and hold shortcuts on app icon to check balance, open QR, past history etc.

3. Pleaaaaase change your splash screen! For every payment this app opens up as if there’s a Netflix show opening up.

4. ( if possible ) give the ability to the user to pick its upi ID. Not everyone wants to give their name/ phone number for every payment.

5. I would prefer accepting payments ( obviously to my bank account) via upi ID . Couldn’t see this feature to accept payments.

Other suggestions after a while

- from,
Senior Web/App engineer with a good UX / product sense.

nittin.raj ,

Miles to go…

Read about this card from a blog and applied for it as I wanted to a Rupay based card for UPI. I installed the app and everything from there on went southwards. Application process got stuck mid way to an extent that even their support executives were clueless about the issue or trace it. Reinstalling the app also futile and felt like we have now hit a wall. Out of no where weeks later someone called me from Axis Bank for KYC, the same evening it was done. There was silence again for days and then boom card got declined for no reason. I have 5 top end credit cards from different banks with no delinquency even for a single due. each of them are enhancing my limit without requesting every now and then but then this happened…

I applied for Rupay card with another bank where I do not have a relationship and the card was issued in few hours so, its safe to assume there are some issues which team needs to address to be reliable and establish its mettle…

Tinn333 ,


UI looks amazing, works fine, they’re adding majy features regularly like we can the card.

The only complaint I have is there is transaction keeps failing especially paying through UPI by using there credit card. They need to work on this issue ASAP.

App Privacy

The developer, G0 Kiwi, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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