The Kiwi RuPay Credit Card is a virtual RuPay credit card that offers excellent benefits, especially on UPI transactions. You earn Kiwi Coins on every spend, where 1 Kiwi Coin = Rs.0.25. Without any subscription, you get 2 Kiwi Coins (0.5% cashback) on Online UPI spends for every Rs.100 spent and 6 Kiwi Coins (1.5% cashback) on every Rs.100 Scan & Pay transaction. The card also offers an optional Kiwi Neon membership, which costs Rs.999 + GST annually. With the Neon membership, the rewards increase to 8 Kiwi Coins (2% cashback) per Rs.100 via Scan & Pay, while Online UPI spends remain at 2 Coins (0.5% cashback) per Rs.100. The membership further boosts your cashback based on annual spending: spend Rs.50,000 in a year to earn 3% cashback, Rs.1,00,000 for 4%, and Rs.1,50,000 for 5%.Each milestone also includes 1 complimentary domestic airport lounge access. Once you cross Rs.1.5 lakh in spending under Neon membership, you continue to earn 2% cashback on all future UPI transactions. With no joining or annual fee, this card stands out as one of the best lifetime free credit cards for those who use UPI frequently. Hurry, apply today and earn extra GP Rewards