March 2026

Last Updated on 3 weeks by Saurabh Trick to Get Free Kiwi Neon Membership Kiwi Credit Card Joining/Annual Fees: Zero or Lifetime Free Benefits: 5% Cashback* on UPI Best for: Heavy UPI Spenders Reward Type: Kiwi Points (25% Value back) Rating: Apply Here If you’re considering the Kiwi Credit Card for UPI payments, you might have also heard about the Kiwi Neon Membership which costs ₹999 + GST per year. Many users often wonder: What is Kiwi Neon Membership and its benefits? Is Kiwi Neon Membership worth ₹999 + GST? Can you get Kiwi Neon Membership for free? In this detailed guide, we will answer all these questions and explain how to maximize cashback using the Kiwi card. Let’s dive in. Table of Contents What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Kiwi Neon Membership Features & Benefits Is Kiwi Neon Membership worth ₹999? How to get free Kiwi Neon Membership? Everything You should know about Kiwi Card Cult Conclusion: Final Verdict FAQs What is the Kiwi Neon Membership? Although Kiwi Credit Cards are lifetime free, Kiwi also offers an optional paid premium subscription called Kiwi Neon Membership. Earlier, this membership was complimentary for users joining through invite codes during early launch promotions. However, that offer has now ended. Currently, the Kiwi Neon Membership costs ₹999 per year (excluding GST) and unlocks additional benefits like higher cashback and milestone rewards. Neon Membership Features & Benefits 1. Additional Cashback on Kiwi UPI Transactions Neon membership increases the cashback potential of Kiwi card. Users get: 2% base cashback on merchant Scan & Pay UPI transactions 0.5% cashback on online UPI payments Rewards up to ₹100/month on savings account transactions Note: Cashback usually applies only to merchant QR transactions. 2. Milestone Rewards on Annual Spends Kiwi Neon members also unlock milestone benefits based on yearly spending. Annual Spends Cashback Additional Benefit ₹50,000 3% 1 Lounge Access ₹1,00,000 4% 1 Lounge Access ₹1,50,000 5% 1 Lounge Access Important: Milestone cashback is calculated as: Milestone Cashback = Eligible Spends × Milestone % – Cashback already received Eligible spends = Total Kiwi spends – excluded categories – refunds. Is Kiwi Neon Membership worth ₹999 + GST? Now we know what benefits Kiwi Neon Membership offers. Now, the question is whether Kiwi Neon Membership worth paying ₹1,179 (including GST) or not.  The answer depends upon your annual scan & pay spends (on merchant UPI).  Generally, if you can spend ₹1,00,000 or more through scan & pay (on merchant UPI) then it is beneficial for you to subscribe for the Kiwi Neon Membership as you will unlock effective 4% Cashback. Example Calculation: Cashback with and without Kiwi Neon Membership: With Kiwi Neon: Cashback = ₹2,811 [1,00,000 x 4% – 1,179 (Neon Fees) ] + 2 Lounge Access Without Kiwi Neon: Cashback = ₹1,500 [1,00,000 x 1.5%] If you want to get exact verdict, whether you should subscribe for Kiwi Neon Membership or not, then checkout our Credit Cult – MaxSaverr Tool to find out the exact cashback calculation. How to Get Free Kiwi Neon Membership? Although the membership costs ₹999 + GST, there is a way to recover the membership cost and get free Kiwi Neon Membership. If you apply for the Kiwi Credit Card through our cashback link, we provide a ₹999 Amazon Pay Voucher after successful signup. This means the membership cost is effectively recovered and you only pay the GST portion (₹180). How to signup for Kiwi Neon Credit Card and Get ₹999 Cashback? Apply for the Kiwi Credit Card using our Cashback Link Enter your WhatsApp number for application tracking Verify OTP and complete the signup process After successful application, you will receive ₹999 Amazon Pay Voucher within 75 days Everything You Should Know About Kiwi Card Before applying, you should understand these key details. Cashback Rates 1.5% cashback without Neon Membership 2–5% cashback with Neon Membership Base Cashback Always Remains 2% Even after crossing milestones, the base cashback remains 2%. Example: If you spend ₹75,800 First ₹50,000 → 3% cashback (1st Milestone) Remaining ₹25,800 → 2% cashback 2% Cashback After ₹1.5L Spends If yearly spending exceeds ₹1,50,000 First ₹1,50,000 → 5% cashback Remaining spends → 2% cashback Monthly Cashback Limit Cashback is typically capped at 1% of your credit limit per month. Example:  Credit Limit = ₹77,000 2% Cashback up to ₹770/month Airport Lounge Validity Once unlocked: Valid for 6 months Only cardholder entry allowed Cult Conclusion: Final Verdict The Kiwi Klick Credit Card is one of the most rewarding cards for UPI payments in India. However, its full potential is unlocked only with the Kiwi Neon Membership, which increases cashback rates up to 5%. If your annual UPI spending is ₹1 lakh or more, the membership can easily recover its cost and provide additional benefits like airport lounge access. 👉 Apply for Kiwi Credit Card & Get ₹999 Cashback Saurabh | Founder & Content Writer at CreditCult.in For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results. Considering to apply for a zero-forex card, checkout our detailed blog on Federal Scapia Credit Card and discover everything you should know before applying for it. Frequently Asked Questions (FAQs) Does Kiwi Offer Airport Lounge Access? Yes, with the Kiwi Neon Membership (₹999 + GST annually) users can get up to three complimentary Domestic Airport Lounge Access visits within a year. Each access is awarded on spends of ₹50,000, ₹1,00,000 and ₹1,50,000. Do we get Complimentary Kiwi Neon Membership on signing up with referral code? No, Kiwi Neon Membership is not free anymore. Initially, it was offered for free to new users signing up