Punjab National Bank

Kiwi RuPay Credit Card (PNB)

RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers.

Lifetime free
Works on UPI (RuPay)
RuPay

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Good

Lifetime free: no joining or annual fee
1.5% on UPI: 3rd of 30 UPI and RuPay cards we compare
Works on UPI and earns 1.5% there
Low income bar: ₹20,833 a month

Watch out for

Earns nothing on fuel, government payments, utility bills, insurance, rent and wallet loads
The bank doesn't publish what a reward point is worth
High forex markup (3.5%)

Who it's for: Anyone who wants a no-fee card for UPI that also works on UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Online shopping: 0.5%
UPI: 1.5%
Dining and food delivery: 0.5%

Fees and charges

Joining fee: Free
Annual fee: Free
Fee waiver: Virtual card: no joining or annual fee
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver on fuel transactions above ₹400 and below ₹4,000, max ₹350 per statement cycle

Benefits and eligibility

Airport lounge: PNB lists domestic and international airport lounge access on spends of ₹50,000, run by GoKiwi; the number of visits and the spend period are not published.
Card network: RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): ₹20,833 a month
Eligibility: Annual income of ₹2.5 lakh. You apply digitally in the Kiwi app.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the Kiwi RuPay Credit Card (PNB)?

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Punjab National Bank.

Questions people ask

Is the Kiwi RuPay Credit Card (PNB) worth it in 2026?

Yes, as a no-fee card for UPI that also works on UPI: it costs nothing to keep. The catch: earns nothing on fuel, government payments, utility bills, insurance, rent and wallet loads.

Is the Kiwi RuPay Credit Card (PNB) lifetime free?

Yes. The bank's fee schedule shows no joining fee and no annual fee.

Does the Kiwi RuPay Credit Card (PNB) work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1.5% on UPI spends.

Does the Kiwi RuPay Credit Card (PNB) give airport lounge access?

PNB lists domestic and international airport lounge access on spends of ₹50,000, run by GoKiwi; the number of visits and the spend period are not published.

What earns no rewards on the Kiwi RuPay Credit Card (PNB)?

Kiwi's rewards policy also excludes agricultural and veterinary services, auto dealers, car rentals and repairs, direct marketing, legal and accounting services, tolls, telecom and cable, dairy stores (MCC 5451), money transfers, financial institutions, gift cards and real estate. Kiwis are given only on transaction amounts in multiples of ₹100. Railway and international spends aren't mentioned.

Is there a limit on rewards with the Kiwi RuPay Credit Card (PNB)?

Kiwis earned in a month are capped at 1% of the card's credit limit (for example ₹500 on a ₹50,000 limit).

Who can get the Kiwi RuPay Credit Card (PNB)?

The bank publishes a minimum income of ₹20,833 a month for salaried applicants. Annual income of ₹2.5 lakh. You apply digitally in the Kiwi app. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Punjab National Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on Punjab National Bank's official page. Fees and rewards change; check the issuer's terms before you apply.