PNB Kiwi Credit Card: Features, Cashback Benefits & Full Details

PNB Partners with Kiwi to Launch UPI-Based Credit Card

In a major move to strengthen its presence in the digital payments space, Punjab National Bank (PNB) has partnered with Kiwi to launch a new UPI-based credit card – the PNB Kiwi Credit Card.

Kiwi is already known for its UPI-focused credit card solutions and has previously partnered with Yes Bank and AU Small Finance Bank to launch co-branded cards like the YES Bank Klick and AU Kosmo cards.

With this new partnership, PNB aims to tap into the growing demand for UPI-linked credit cards in India.

What is PNB Kiwi Credit Card?

The PNB Kiwi Credit Card is a virtual UPI-enabled credit card that allows users to make payments directly via UPI using their credit limit. It is designed for everyday users who prefer scan-and-pay transactions over traditional card usage.

The biggest highlight?
Zero joining and annual fees + cashback on UPI payments

Key Features & Benefits

Cashback & Rewards

• Earn up to 1.5% cashback on UPI scan-and-pay transactions
• Get 0.5% cashback on online payments
• Unlock 5% cashback with Kiwi Neon Membership

Fees & Charges

• ₹0 Joining Fee
• ₹0 Annual Fee

This makes it a strong option in the entry-level credit card category.

UPI Convenience

• Fully virtual credit card
• Works seamlessly with UPI apps
• Pay anywhere using QR scan & pay
• No need to carry a physical card

Perfect for users who rely heavily on UPI payments for daily spending.

Fuel Benefits

• 1% fuel surcharge waiver
• Applicable on eligible fuel transactions

Additional Benefits

• Airport lounge access (via Kiwi Neon Membership)
• Exclusive brand offers & deals
• Enhanced rewards for premium users

Kiwi Neon Membership: Extra Benefits

Users opting for Kiwi Neon Membership can unlock premium perks:

• Higher cashback (up to 5%)
• Lounge access benefits
• Better brand deals and offers

This makes the card more rewarding for frequent users.

Who Should Get This Card?

Get This Card If:

• You frequently use UPI for daily payments
• You want a zero annual fee credit card
• You prefer cashback over complex reward systems
• You are looking for a simple, beginner-friendly card

Who Should Avoid This Card?

• Users looking for high-end travel benefits
• Those who want premium reward points or airmiles
• Frequent international travellers

PNB Kiwi Credit Card: Pros & Cons

Pros

• Zero joining & annual fees
• Cashback on UPI transactions
• Easy to use for daily spending
• Virtual-first experience

Cons

• Limited base reward rate
• Premium benefits only with paid membership
• Not ideal for travel-focused users

Bottom Line

The PNB Kiwi Credit Card is a simple and practical solution for India’s growing base of UPI users. Backed by Punjab National Bank and powered by Kiwi, it focuses on ease of use, zero fees, and everyday cashback.

While it may not compete with premium cards in terms of rewards or travel benefits, it does exactly what it promises — making UPI payments more rewarding.

If your spending is mostly via UPI, this card is definitely worth considering.

Apply for a Credit Card & Get Instant Approval

Apply Now →