Thread by @CardsavvyIndia

🧵 After my last thread went viral, I’ve been flooded with questions! Here’s your complete guide to the Yes Bank Kiwi RuPay Credit Card — from cashback tiers to real user tips . Let’s dive in! 👇

🚀 The Kiwi card is a Lifetime Free RuPay credit card by Yes Bank, tailor-made for UPI lovers. Scan & pay anywhere with UPI, and get credit-card-style cashback on every transaction. No annual fees. Ever.

💸 1.5% base cashback on all UPI spends (minimum ₹100 txn)
💳 0.5% on non-UPI spends (POS, e-commerce)
Great for everyday small transactions at vendors, tea stalls, groceries! 🛒

🔑 Neon Subscription (₹999/yr) unlocks higher rates:

₹50K/yr: 3% cashback + 1 free lounge visit

₹1L/yr: 4% cashback + +1 lounge visit

₹1.5L/yr: 5% cashback + +1 lounge visit
After ₹1.5L: reverts to 2% base rate. ⚠️

🔍 Pro Tips:

Use Kiwi for daily UPI bills (<₹5K) to hit milestones quickly

Combine NeON sub with other Yes Bank offers

Track monthly spend in the Kiwi app dashboard

Redeem cashback monthly to avoid points expiry

✈️ 3 lounge visits per year unlocked at milestones

Great for quick airport breaks

Lounge partners: Plaza Premium & more
Use them wisely on business or leisure trips!

⚠️ Caveats:

Cashback excludes telecom, utilities, rent, insurance, education, gov’t services

No fuel surcharge waiver

Yes Bank’s one-card policy (only 1 Yes Bank credit card per customer)

2% post-1.5L spend isn’t top of the market

📲 Application Steps:

Download the Kiwi app or Neon app

Complete KYC with PAN & Aadhaar

Pay Neon sub ₹999 (optional for higher tiers)

Start scanning QR codes & earning cashback!

🎁 Want to try Kiwi? Use my link to get fast approval & bonus Neon discount:
👉 👈bitli.in/UFbm405

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