Скачать или смотреть Kiwi RuPay Credit Card Review (2025): The TRUTH About 5% UPI Cashback & Hidden Fees

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Are you making hundreds of UPI payments every month without earning a single rupee in rewards? It's time to change that. The Kiwi RuPay Credit Card promises to turn your everyday QR code scans into REAL CASH, directly in your bank account!
In this deep-dive review, we break down India's first "Credit on UPI" card. Is it truly a money-making machine, or just another fintech gimmick? We uncover everything you need to know.

🕒 TIMESTAMPS:
The Hidden ATM in Your Phone
What is the Kiwi Card? (Credit Power + UPI Speed)
Is It Safe? (Backed by YES Bank, Axis, AU Bank)
The "Lifetime Free" Promise
Cashback Explained: From 1.5% Free to 5% Beast Mode!
The ₹1178 Neon Membership: Is It Worth It?
How "Retroactive Cashback" Makes You More Money
FREE Airport Lounge Access!
REALITY CHECK: The Fine Print No One Reads!
⚠️ WARNING: Where You DON'T Get Cashback (Rent, Fuel, Bills)
SHOWDOWN: Kiwi Card vs. Tata Neu Infinity HDFC Card
FINAL VERDICT: Who Should Get It & Who Should SKIP It?


From its lifetime-free promise to the powerful Neon membership that unlocks up to 5% retroactive cashback (up to ₹7,500/year), we analyze every feature. We also expose the critical "Terms & Conditions," including all the spending categories like rent, fuel, and utility bills that are EXCLUDED from cashback.
Finally, we put it head-to-head against its biggest competitor, the Tata Neu Infinity Card, to show you how to build the ultimate UPI spending strategy.



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