🕒 Last updated on: November 17, 2025
Kiwi Referral Code for Signup Bonus
Active Kiwi Referral Code (Dec'25) : Will Be Updated Soon!
Looking for a RuPay Credit Card to maximize cashback on UPI spends? Here we present you with the Kiwi App offering 5% cashback on UPI Spends to merchants. It also offers signup bonus of up to Rs 800 for just signing up with an Active Kiwi Referral Code.
Will Be Updated Soon!
Ready to get started? Read on to discover all about Kiwi RuPay Credit Card: Features, benefits, fees and the Kiwi Neon Membership Program.
Disclaimer: This blog contains referral links, which may earn us a commission at no additional cost to you. These rewards help support the maintenance of this website but doesn’t affect our review.
Kiwi Referral Code: Signup Benefits
When you sign up for the Kiwi App using a referral code, you will receive an exclusive signup bonus worth up to ₹800 in the form of Kiwis. And that’s not it here’s what all you get:
- ₹800 Instant Bonus: Simply enter the referral code (Will Be Updated Soon!), and you will receive up to ₹800 in your bank account once your Kiwi RuPay Kwik Card is approved.
- Lifetime Free Credit Card: Enjoy all the benefits of the RuPay Credit Card at no extra cost.
- 1.5% to 5% Cashback: Use your Kiwi card for to pay merchants through UPI transactions and earn cashback instantly.
- Kiwis on Every UPI Transaction: Every UPI payment (even through bank) you make with the Kiwi app earns you Kiwis, which can be converted into real money. (4 kiwis = Rs 1)
- Airport Lounge Access (Milestone): Up to 3 Domestic Airport Lounge Access in a year. Each on spending 50K, 100K and 150K within a year.
By signing up with the Kiwi credit card referral code Will Be Updated Soon!, you ensure that you get the best benefits from the day one. It’s simple to sign up, and the rewards continue to grow as you use the app!
How to Sign Up with Kiwi Referral Code?
Here’s a quick guide to sign up:
- Download the Kiwi App: Start by downloading the Kiwi app.
- Start the Signup Process: Open the Kiwi App and start the signup process with mobile number verification, PAN Card and DOB Details.
- Enter the Referral Code: After initial steps and verification, it will ask for an invite code. Make sure to enter the kiwi app referral code Will Be Updated Soon! to unlock your signup bonus up to ₹800.
- Apply for the Kiwi Credit Card: Continue applying for the Kiwi RuPay Credit Card.
- Complete KYC: Finish the KYC process to verify your identity and complete your application.
- Start Earning Rewards: Once your application is complete, start using your card for UPI and Scan & Pay transactions and earn up to 5% value back on eligible spends.
That’s it! Make your 1st UPI transaction with Kiwi Credit Card and receive up to ₹800 signup bonus. You’ll continue to earn rewards & cashback with every UPI transaction you make.
Kiwi Neon Membership
Although Kiwi Credit Cards are lifetime free but Kiwi does have a paid membership program called Kiwi Neon Membership. Initially, it used to be complimentary for new users signing up with an invite code but not anymore. Now, the Kiwi Neon Membership costs Rs 999/year excluding taxes and offers many amazing benefits to its members.
Kiwi Neon Membership Features & Benefits
1. Additional cashbacks on Kiwi UPI transactions:
- 2% on scan & pay transactions (where QR code is scanned)
- 0.5 % on online transactions (where payment is redirected from merchant website/app to Kiwi app to complete the transaction)
- Rewards up to Rs 100/month on savings a/c transactions
2. Milestone rewards on yearly spends on Kiwi App:
- 3% cashback on eligible spends of Rs.50,000 + 1 lounge access unlocked
- 4% cashback on eligible spends of Rs.1,00,000 + 1 lounge access unlocked
- 5% cashback on eligible spends of Rs.1,50,000 + 1 lounge access unlocked
Note: Milestone rewards will be calculated as:
- Milestone 1: 3% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Milestone 2: 4% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Milestone 3: 5% of eligible spends, minus the cashback already earned under your Kiwi Neon subscription for the year.
- Note: Eligible spends is defined as: Total spends on Kiwi – spends in exclusion categories – refunds (shown under the Kiwi Neon Membership tab)
How to Claim Airport Lounge Access?
Kiwi does provide Domestic Airport Lounge Access to its users but one needs to be a Kiwi Neon Member and should have reached the Milestone Spend of 50K/100K/150K to unlock and claim the Lounge Access.
- Open the Kiwi App and scroll down until you reach the ‘Explore’ section.
- Now, tap on the ‘Airport Lounge’ option within the ‘Explore’ section.
- 3 Lounges option and its status will show. You can claim it if you have unlocked the same.
- Redeem it by scanning/uploading your boarding pass.
- Generate the Lounge QR and show the QR at Airport Lounge Reception.
Note: Once unlocked, the Lounge pass is valid for a period of 6 months from the date of issue on the Kiwi app. Each pass admits one customer to the lounge, and guarantees the customer to a maximum of 2 hours per stay.
Frequently Asked Questions (FAQs)
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.
No, Kiwi Neon Membership is not free anymore. Initially, it was offered for free to new users signing up with a referral code ([ref_code]) but now it is an optional but paid membership costing Rs 999/year excluding taxes. However, signing up with a Kiwi Referral Code offers up to Rs 800 as signup bonus.
Kiwi Neon Annual Membership costs Rs 1,179 including GST. Signup with an active kiwi referral code ([ref_code]) and get up to Rs 800 as signup bonus.
Each Kiwi is worth 0.25 Rupee, or 4 Kiwis equal 1 Rupee, which can be instantly withdrawn to your linked bank account.
Yes, there is a Monthly Cashback Limit allowing cashback up to 1% of Credit Limit excluding milestone or other seasonal rewards. For example, if credit limit is Rs 1,77,000 then monthly cashback limit is Rs 1,770.
No, Kiwi doesn’t issue physical credit cards instead it provides a virtual/digital credit card that can be used to pay online with its card details and to pay at shops through UPI.
Salaried and Self Employed, aged 21 to 60 years, with a minimum monthly income of Rs 25,000 and a CIBIL Score of 720 or more can apply for the Kiwi Credit Card.
No. Kiwi no more offers Neon Membership on signing up with a referral code ([ref_code]) but a signup bonus up to Rs 800.
Yes, Kiwi Credit Card is lifetime free but Kiwi offers an optional but paid membership, Kiwi Neon Membership, that costs Rs 999 + GST a year. The membership offers many good benefits like Accelerated Cashbacks and Airport Lounge Benefits on reaching Spend based Milestones.
Best Kiwi App Alternatives: LTF Rupay CC
Here are some best Kiwi app alternatives that offer LTF RuPay Credit Cards and offer cashback on Merchant Scan & Pay transactions:
- SuperMoney: 3% Cashback on superUPI with SuperCard Pro (Up to Rs 500/month)
- Tata Neu App: 1.5% Cashback on Merchant Scan & Pay with NeuCard Infinity (Up to Rs 500/month)
- Other Apps:
- Rio UPI RuPay CC (0.75% Cashback),
- Yes Bank Pop UPI RuPay CC (2% Cashback)
Conclusion: Signup with Kiwi Referral Code
In conclusion, Kiwi is a great app offering a competitive minimum of 1.5% cashback on eligible merchant spends through its Kiwi RuPay Card on UPI. While other competitors also offer cashback on UPI transactions, if you are willing to pay for the Kiwi Neon Membership, no competitor provides a higher cashback rate, as it unlocks up to 5% cashback on UPI.
Ready to kickstart your rewarding UPI journey? Sign up today with an active Kiwi Referral Code (Will Be Updated Soon!) to unlock a bonus of up to ₹800 instantly. You can also share your referral code with friends and family to earn cashback for every successful referral. Start making UPI payments with the Kiwi App and enjoy exclusive cashback offers and rewards.
We hope this detailed look at the Kiwi App and the Kiwi Klick RuPay Credit Card was helpful. We’ve shared our personal experience, along with available data and reviews, so you can make an informed decision.
Looking for other great options? You might also want to explore HDFC Tata Neu Credit Card or check our detailed comparison: Kiwi vs SuperMoney.
Happy Investing!
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