What makes it useful
AU says a physical KOSMO card is delivered. Its 1% fuel-surcharge waiver applies to fuel transactions of ₹400–₹5,000, capped at ₹100; fuel purchases do not earn standard Kiwi rewards.
AU Small Finance Bank · RuPay on Kiwi
AU Bank Kosmo on Kiwi.
A lifetime-free Kiwi card with a physical option.
A RuPay credit card for eligible UPI merchant payments, with AU’s physical card and a fuel-surcharge waiver.
1.5%equivalent Kiwis on eligible Kiwi-app UPI scan & pay
0.5%equivalent Kiwis on eligible online spending
₹0joining + annual fee for this card
₹0 joining and annual fee. Other charges may apply.
You’ll continue to Kiwi’s application. Credit Card Point does not collect your card application details.
Sponsored application link · Free to use Credit Card Point
This shared application may offer a different issuer/card; no approval is guaranteed.
ILLUSTRATIVE EXAMPLE · NOT A USER ACCOUNT
Kiwi reward preview
Eligible merchant scan & pay₹1,000
Kiwis you could earn+60 Kiwis
Value when redeemed₹15
1 Kiwi = ₹0.25. Kiwi calculates rewards in ₹100 spend multiples; caps and exclusions apply. At least 500 Kiwis are required to redeem.IssuerAU Small Finance Bank
Card fee₹0 joining and annual fee
Source & review dateAU KOSMO product page and Kiwi Rewards Policy · 27 September 2026
The useful details
Why this card, and what to check.
Who it may suit
You want Kiwi-app UPI rewards and the flexibility of a physical card for eligible in-store purchases.
One candid consideration
Kiwi rewards depend on eligible merchant categories and using the Kiwi app. The fuel waiver is separate from Kiwi rewards.
How Kiwi rewards work
Your eligible UPI scans can add up.
Earn redeemable Kiwis from eligible payments, then transfer their value to your linked account.
Scan an eligible merchant QR
Pay inside the Kiwi app with an eligible card issued through Kiwi. Person-to-person transfers do not count as credit-card merchant payments.
Earn on the base plan
Eligible newly issued Kiwi cards earn 6 Kiwis per ₹100 of Kiwi-app scan-and-pay—equivalent to 1.5%. Eligible online spending earns 2 Kiwis per ₹100, equivalent to 0.5%.
Redeem your Kiwis
Each Kiwi currently has ₹0.25 redemption value. Kiwi requires at least 500 Kiwis, redeemed in 500-Kiwi multiples. Monthly caps and exclusions apply.
Kiwi Rewards Policy, checked 27 September 2026. Rewards use ₹100 transaction multiples and are subject to current terms.
Fees and eligibility
Know the conditions.
Card fees: AU says the KOSMO card is lifetime free. Interest and other card charges can still apply.
Who may apply: AU lists resident Indians aged 21–60 if salaried or 25–65 if self-employed. Other underwriting checks apply.
Reward limits: Merchant category exclusions, ₹100 earning multiples, a monthly cap and 500-Kiwi redemption minimum apply.
Sources & review date: AU KOSMO product page and Kiwi Rewards Policy · 27 September 2026. Source names are provided for verification; Apply buttons use the saved Kiwi application route. Rewards and terms may change.
OPTIONAL KIWI NEON
Up to 5% effective rewards.
Neon gives eligible members 2% equivalent Kiwis on qualifying Kiwi-app scan-and-pay. As eligible yearly spending reaches milestones, additional Kiwis bring the total effective reward on eligible spend to the levels below.
₹50,000eligible yearly spend3% total
₹1 lakheligible yearly spend4% total
₹1.5 lakheligible yearly spend5% total
Neon is optional, available to select users, and costs ₹999 plus taxes per year. The 5% is a total effective milestone reward—not 5% on every transaction or on top of the 2% rate. Excluded categories, caps, timing and Kiwi terms apply.
Important to know
What counts toward rewards.
Eligible merchant payments
Use Kiwi’s app for qualifying merchant scan-and-pay. Person-to-person transfers and non-qualifying transactions do not earn the advertised card rewards.
Excluded categories
Kiwi excludes merchant categories including fuel, utilities, insurance, education, government payments, rent and jewellery. Merchant category codes determine eligibility.
Caps and calculation
Kiwi calculates Kiwis in ₹100 transaction multiples and states a monthly reward cap linked to 1% of the card’s credit limit. Check the current terms in the app.
Real app-store feedback
What users say, with context.
These are public App Store reviews of the Kiwi app, not verified card-approval or typical-earnings claims.
UPI payments and rewards felt easy
Reviewer “Naga-utk” praised the speed of UPI payments and the rewards experience, while asking for an add-on card feature.
Apple App Store · 17 March 2025 · ParaphrasedOne reviewer reported over ₹2,500
Reviewer “Dating purpose” said they earned a little over ₹2,500 over roughly six months of normal spending. This is their own report, not an independently verified result or expected return.
Apple App Store · 20 August · ParaphrasedGood rewards do not erase service issues
Reviewer “Praaaatiiikk” said the rewards were good, but later reported app-loading and support problems after an update.
Apple App Store · 14 August · ParaphrasedIndividual experiences vary. Reviews do not establish typical rewards, an approval rate or current app performance.
Your next step
Apply with the full picture.
Credit Card Point does not take your PAN, KYC files or banking password. Apply only if the offer shown is right for you.
- Open Kiwi’s applicationThe Apply button takes you to the saved Kiwi partner flow.
- Check the bank and cardReview the offered issuer, format, fees, rewards and key fact statement.
- Continue if it fitsComplete identity checks only with the partner/issuer. Approval is not guaranteed.
Quick answers
Know before you tap Apply.
Does this guarantee AU KOSMO?
No. Kiwi’s shared application determines which issuing-bank card can be offered. The bank decides approval, limit and final terms.
Is 1.5% paid straight into my bank account after every scan?
No. Eligible rewards are recorded as Kiwis. Each Kiwi currently has ₹0.25 redemption value, and Kiwi requires at least 500 Kiwis for redemption in 500-Kiwi multiples.
Will every UPI payment earn rewards?
No. The base rate applies to eligible merchant scan-and-pay through Kiwi with an eligible card. Excluded merchant categories, ₹100 reward-calculation multiples and a monthly cap apply.
How do I get up to 5% with Kiwi Neon?
Optional Neon is for select users and costs ₹999 plus taxes per year. It offers 2% on eligible Kiwi-app scans; milestone rewards bring the total effective return on eligible yearly spending to 3% at ₹50,000, 4% at ₹1 lakh and 5% at ₹1.5 lakh. It is not 5% on every payment.
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