Trick to Get Free Kiwi Neon Membership
🕒 Last updated on: March 28, 2026
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:
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:
In this detailed guide, we will answer all these questions and explain how to maximize cashback using the Kiwi card.
Let’s dive in.
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%]
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
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Verify OTP and complete the signup process
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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.
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)
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 but now it is an optional but paid membership costing Rs 999/year excluding taxes.
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.
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.
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