Axis Bank KWIK RuPay Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points |
  • Welcome Benefites: NA
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Ever since the NPCI announced that RuPay credit cards can be linked to UPI apps, all major banks and card issuers are offering RuPay credit cards to their customers. Axis Bank launched the KWIK RuPay credit card that offers all the benefits and rewardsKiwi mobile app of credit cards, all with the convenience and security of making UPI payments. The Kwik RuPay credit card is a lifetime free card by Axis Bank without any joining or annual fees. The card can be easily linked to UPI and used to make payments across merchants with QR codes. It also allows you to use your credit card at small merchants in rural and semi-rural areas that don’t accept card payments. The cardholders get a virtual credit card as soon as they are approved for the KWIK RuPay credit card. You can start making UPI payments via the Kiwi app, and start earning rewards for your spends. Read on to know more about the features and benefits offered by the Axis Bank KWIK RuPay credit card.

New Features

Spend Based Waiver


Interest Rates

3.6% per month and 52.86% per annum.

Add-on Card Fee


Rewards Redemption Fee

The reward redemption fee is Rs. 49 to redeem 300 to 10,000 RPs, and Rs. 99 if you want to redeem more than 10,000 points.

Fuel Surcharge

1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges


Movie & Dining




International Lounge Access


Rewards Rate

2 EDGE RPs per Rs. 200 spent with the card on domestic and international spends



Insurance Benefits


Reward Redemption

RPs can be redeemed against products, vouchers, flight/hotel tickets, Airmiles, etc.

Domestic Lounge Access


Zero Liability Protection

Cardholder is not liable for any fraudulent spends made with the card in case of timely reporting of theft or loss of the card


This is a lifetime free credit card. Receive your virtual credit card instantly.


There is no international or domestic lounge access provided with the Axis Bank KWIK Rupay Credit Card

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