Kiwi Referral Code 2026

Verified

UPICredit Cards

iOSAndroid

Last verified 23 August 2026

Kiwi is an Indian credit-card-on-UPI platform that lets users apply for and manage eligible RuPay credit cards and make merchant UPI payments. Kiwi advertises 1.5% cashback on eligible Scan & Pay UPI transactions and a lifetime-free card with no joining or annual fee. It is designed for users who make frequent merchant QR payments and want to use a credit card on UPI while managing rewards and card activity through the Kiwi app.

🎁 Get ₹100 Joining Reward

Your Referral Code

FW323U

Get Kiwi deal →

Get your Kiwi card issued, and complete the qualifying first UPI payment to earn ₹100.

Key Features

1.5% cashback on eligible Scan & Pay UPI transactions.
Lifetime-free card with zero joining and annual fees.
0.5% cashback on eligible online spends.
Apply for and manage the credit card in the Kiwi app.
Kiwi Neon can increase eligible UPI Scan & Pay cashback to 2%.
Eligible cashback can be redeemed from Kiwis to a linked bank account.

How to Use

1
Open the Kiwi referral link before starting your card application.
2
Register as a new Kiwi user using your eligible mobile number.
3
Complete the required credit-card application and KYC process shown in the Kiwi app.
4
Wait for the eligible RuPay credit card to be issued.
5
Activate the card and make your first qualifying UPI payment using the issued card.
6
The current Kiwi referral terms state that eligible referees receive a ₹100 joining bonus after card issuance and a successful first transaction.

Terms & Conditions

Kiwi's current published referral guidelines state that the referred person must be new to Kiwi, register using the referral code or link, have the eligible RuPay credit card issued, and complete the required first UPI payment for referral rewards to trigger. The referee reward shown in Kiwi's current referral guidelines is ₹100, while the date of registration and the applicable offer determine the referrer's reward. Kiwi's separate referral terms also state that the referral code must be entered at the designated application step, and completing KYC within the required period may be necessary for eligibility. Kiwi can modify or withdraw referral rewards and terms.

Frequently Asked Questions

How do I get the ₹100 Kiwi joining reward with referral code FW323U?

Enter the Kiwi referral code FW323U during the designated step of your card application, complete the required application and KYC process, get your eligible credit card issued, and make the required first UPI transaction. Kiwi's published referral terms state that the referee earns ₹100 after card issuance and a successful first transaction.

Does Kiwi really give flat 1.5% cashback on Scan & Pay UPI payments?

Kiwi currently advertises 1.5% cashback on eligible UPI Scan & Pay transactions for cards issued through the Kiwi app since 4 July 2024 for users who do not subscribe to Kiwi Neon. Reward calculations and eligibility are subject to Kiwi's published transaction rules and exclusions.

Is the Kiwi RuPay credit card really lifetime free?

Kiwi's official website and Google Play listing advertise zero joining fees and zero annual fees for the lifetime-free RuPay credit-card offering available through Kiwi. Optional paid services, such as Kiwi Neon membership, are separate products and should not be confused with the basic card's annual-fee structure.

Does Kiwi cashback go directly to my bank account?

Kiwi's public product pages describe cashback as redeemable to a linked bank account. Kiwi's rewards policy explains that rewards are represented as Kiwis, with the published conversion rate currently stating that four Kiwis equal ₹1. Redemption and eligibility remain subject to Kiwi's applicable reward rules.

Kiwi's public product pages describe cashback as redeemable to a linked bank account. Kiwi's rewards policy explains that rewards are represented as Kiwis, with the published conversion rate currently stating that four Kiwis equal ₹1. Redemption and eligibility remain subject to Kiwi's applicable reward rules.

Kiwi's rewards policy lists excluded merchant categories, including certain fuel, utility, government, financial, insurance, jewellery and other transactions. Merchant eligibility is determined using the merchant category code received for the transaction, so a payment's reward status can depend on how the merchant is classified.

Is there a limit on how much cashback I can earn with Kiwi?

Yes. Kiwi's current rewards policy states that the maximum monthly Kiwis earned on the applicable credit card are capped at 1% of the total credit limit. Cashback is also calculated according to the published reward rules, including transaction amounts in multiples of ₹100 from 1 June 2025.

Do I get the Kiwi ₹100 referral reward as soon as my card arrives?

Not automatically on physical delivery alone. Kiwi's published referral terms require the eligible card to be issued and the referee to complete a successful first transaction, while the broader referral guidelines describe the first UPI payment as the activation step that triggers rewards.