Home / AU Kosmo Credit Card (Kiwi) Credit Card Review
AU Kosmo Credit Card (Kiwi) Review 2026
The AU Kosmo Credit Card - commonly searched as the Kiwi Credit Card - is genuinely lifetime free and earns Kiwi rewards on every UPI Scan & Pay, e-commerce, and POS transaction through the Kiwi app.
3.8
/5
Card24 Score
Rewards 3.7
Travel 2
Fees 4
Last reviewed June 2026 · Card24.ai editorial team
Fees
₹0 joining & annual fee
Network
UPI Payments (RuPay)
Reward Rate
1.5% cashback on offline spends
Credit Card Verdict- AU Kosmo Credit Card
What we like
- The AU Kosmo Credit Card - widely searched as the Kiwi Credit Card - genuinely charges ₹0 joining and annual fee, with no spend condition attached, which makes it a low-risk first credit card for young or first-time cardholders.
- Being able to make credit card payments directly through UPI Scan & Pay via the Kiwi app - instead of carrying or tapping a physical card every time.
- 1.5% cashback on offline UPI spends, plus Kiwi rewards on e-commerce, POS, and contactless transactions.
- The card is available in both physical and digital/virtual form, with onboarding designed to be fast and app-first - a good fit for tech-savvy users.
Watch out for
- The headline 5% cashback figure you may see advertised applies to a paid 'Kiwi Neon' premium membership within the Kiwi app, not the free base card.
- Cash, rent, education, government payments, insurance, EMI, fuel, and BBPS transactions do not earn Kiwi rewards under any circumstance on this card.
- This card has no welcome benefit and no travel insurance per independent review coverage - it's built to be simple and free rather than feature-loaded.
Card24.ai review of the AU Kosmo Credit Card (commonly searched as the kiwi credit card) is based on official au.bank.in and gokiwi.in data plus verified aggregators as of July 2026. Lounge-access and premium-tier cashback claims vary across sources - this review does not present unconfirmed benefits as guaranteed. Verify current Kiwi Neon membership terms and rewards structure directly on the Kiwi app before applying.
Credit Card Achievers- AU Kosmo Credit Card
Is the AU Kosmo Credit Card (Kiwi) Worth It in 2026?
The AU Kosmo Credit Card is worth having for anyone who already lives on UPI and wants their everyday scan-and-pay spending to earn something back, without paying a single rupee to hold the card. At 1.5% cashback on offline UPI spends and genuinely zero fees, it's a low-risk way to start building credit history, especially for first-time cardholders.
Beyond the base cashback, the card offers Kiwi rewards on e-commerce, POS, and contactless transactions, a 1% fuel surcharge waiver, Xpress EMI on spends of ₹500 or more, and an add-on card option - a reasonably complete convenience package for a card with no annual fee. Cardholders who spend heavily through UPI can also explore the paid Kiwi Neon membership, reported to boost cashback up to 5%, though this is a separate upgrade rather than something the free card delivers on its own.
The catch is that this isn't a travel or lifestyle card - there's no confirmed airport lounge access, no travel insurance, and no welcome benefit on the base card. Cash, rent, education, insurance, EMI, fuel, and government payments also don't earn Kiwi rewards, so this card works best as a UPI-spending companion, not a general-purpose everyday card for all categories.
Beyond the base cashback, the card offers Kiwi rewards on e-commerce, POS, and contactless transactions, a 1% fuel surcharge waiver, Xpress EMI on spends of ₹500 or more, and an add-on card option - a reasonably complete convenience package for a card with no annual fee. Cardholders who spend heavily through UPI can also explore the paid Kiwi Neon membership, reported to boost cashback up to 5%, though this is a separate upgrade rather than something the free card delivers on its own.
The catch is that this isn't a travel or lifestyle card - there's no confirmed airport lounge access, no travel insurance, and no welcome benefit on the base card. Cash, rent, education, insurance, EMI, fuel, and government payments also don't earn Kiwi rewards, so this card works best as a UPI-spending companion, not a general-purpose everyday card for all categories.
Best For: UPI-first spenders and first-time credit card users who want genuinely free cashback on everyday scan-and-pay transactions.
AU Kosmo Credit Card Credit Card Benefits
How to Get Maximum Value from Your AU Kosmo Credit Card
Since Kiwi rewards on offline UPI spends require using the Kiwi app specifically, make it your default UPI payment method for everyday purchases - groceries, food delivery, local shops - to consistently earn the 1.5% cashback the kiwi credit card offers on qualifying transactions.
Before paying for the Kiwi Neon premium membership, check its current pricing, cashback rate, and any lounge-access claims directly in the Kiwi app rather than relying on third-party blog posts - terms and figures have been reported inconsistently across different sources.
For purchases of ₹500 or more where the total crosses ₹2,000, consider converting to Xpress EMI instead of paying the full amount upfront - this spreads the cost over monthly instalments while keeping your card available for everyday UPI spending.
If your AU Kosmo Credit Card gets renewed or replaced, don't forget to re-link it to your UPI apps in the Kiwi app - otherwise your UPI Scan & Pay transactions may stop earning Kiwi rewards, or fail to process through the card entirely.
Since lounge access and travel insurance aren't confirmed on the base card, don't plan your travel around benefits from this specific card. Use it for everyday UPI and online spending instead, and pair it with a dedicated travel card if lounge access matters to you.
Before paying for the Kiwi Neon premium membership, check its current pricing, cashback rate, and any lounge-access claims directly in the Kiwi app rather than relying on third-party blog posts - terms and figures have been reported inconsistently across different sources.
For purchases of ₹500 or more where the total crosses ₹2,000, consider converting to Xpress EMI instead of paying the full amount upfront - this spreads the cost over monthly instalments while keeping your card available for everyday UPI spending.
If your AU Kosmo Credit Card gets renewed or replaced, don't forget to re-link it to your UPI apps in the Kiwi app - otherwise your UPI Scan & Pay transactions may stop earning Kiwi rewards, or fail to process through the card entirely.
Since lounge access and travel insurance aren't confirmed on the base card, don't plan your travel around benefits from this specific card. Use it for everyday UPI and online spending instead, and pair it with a dedicated travel card if lounge access matters to you.
AU Kosmo Credit Card Credit Card Annual Fees
| Joining Fee | Zero- Lifetime Free |
| Annual Membership Fee | Zero- Lifetime Free |
| Reward Rate | 1.5% cashback on offline UPI spends (Kiwi app) | Up to 5% with paid Kiwi Neon membership |
| Fuel Surcharge Waiver | 1%, capped at ₹100 |
AU Kosmo Credit Card (Kiwi) Eligibility & Documents
Age 21-60 years old
Minimum annual income ₹25,000 per month (Minimum Income) with a CIBIL score of 720–750+
Documents required PAN card · Aadhaar card or alternate government-issued photo ID · Latest 3 months salary slips · Form 16 or latest ITR · Address proof
Residency Resident Indian
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for AU Kosmo Credit Card (Kiwi)
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Download the Kiwi app from the Play Store or App Store
2
Personal details - Sign up and complete basic KYC verification within the app, including PAN and Aadhaar details
3
Documents Required - Upload the required KYC, identity, address, and income proof documents for verification.
*T&C Apply
Frequently Asked Questions
Yes. The AU Kosmo Credit Card and the 'kiwi credit card' generally refer to the same product - a lifetime-free credit card issued by AU Small Finance Bank in partnership with Kiwi, a 'Credit on UPI' fintech app. It's commonly called the 'Kiwi Credit Card' because it's applied for and managed through the Kiwi app, but its official issuer is AU Small Finance Bank. It runs on the RuPay network and enables UPI-based credit card payments.
Yes - the AU Kosmo Credit Card charges ₹0 joining fee and ₹0 annual fee, with no spend condition required to maintain this. It's genuinely free to hold. The only optional cost is upgrading to the paid Kiwi Neon membership within the Kiwi app, which is separate from the base card and not required to use it.
This is genuinely unclear from available information. Independent review coverage of the kiwi credit card (AU Kosmo) states it does NOT include complimentary airport lounge access on the base card. Some promotional material separately mentions milestone-based lounge visits tied to the paid Kiwi Neon membership tier. Don't assume lounge access is included - verify directly in the Kiwi app before relying on it for travel plans.
Download the Kiwi app, sign up, and complete KYC verification with your PAN and Aadhaar details. The app will show you which co-branded card - AU Kosmo or Yes Klick - you're eligible for based on your profile. Once approved, you get instant access to a digital/virtual card usable immediately, with a physical card dispatched to your registered address afterward.