1.5% cashback on UPI Scan & Pay, plus 0.5% cashback on online spends
2 reward points per ₹200 spent on non-UPI transactions
1% fuel surcharge waiver
Split any payment into 3 interest-free instalments (no-cost EMI) via the Kiwi app
Optional paid "Kiwi Neon" membership (₹999 + GST/year) raises this to 5% cashback on spends over ₹1.5L and 2% on UPI Scan & Pay, plus complimentary airport lounge access
Fully virtual RuPay card, instantly issued and managed via the Kiwi app
Card names, fees and figures shown are illustrative; verify current terms with Punjab National Bank directly before applying.