Is the PNB Kiwi card available as a virtual card?

Yes. It is issued in both virtual and physical form; the virtual card has no joining fee.

Can it be used on UPI?

Yes. It is a RuPay card linked to UPI for QR and merchant payments.

Credit Cards

Punjab National BankRuPay

PNB Kiwi RuPay Select Credit Card

Co-BrandedMidRuPay✦ Kiwi

PNB Kiwi RuPay Select Credit Card

Kiwi co-branded UPI-first RuPay card

Annual fee₹750Waived on ₹1.5L spend

Rewards2.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

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Independent comparison platform. Not affiliated with Punjab National Bank. Full disclaimer

Rewards

Base earn rate

Double reward points on retail merchandise, plus 300+ reward points on first usage.

Fees & charges

Joining fee: Nil for the virtual card; ₹500 for the physical card
Annual / renewal fee: ₹750 (virtual and physical)
Annual fee waiver: Annual fee waived on spends of ₹1.5 lakh in the previous year.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

View official MITC →

Eligibility

NRI eligible: No

Co-branded with Kiwi, issued as a UPI-linked RuPay card available in virtual and physical form. Open to resident individuals meeting the bank’s assessment.

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Virtual and physical card options
UPI-linked payments via QR
Double reward points on retail merchandise
Domestic and international lounge programme

FAQs

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📖 Guides about this card

🔧 Useful tools

Credit Cards

Punjab National BankRuPay

PNB Kiwi RuPay Select Credit Card

Co-BrandedMidRuPay✦ Kiwi

PNB Kiwi RuPay Select Credit Card

Kiwi co-branded UPI-first RuPay card

Annual fee₹750Waived on ₹1.5L spend

Rewards2.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Punjab National Bank. Full disclaimer

Rewards

Base earn rate

Double reward points on retail merchandise, plus 300+ reward points on first usage.

Fees & charges

Joining fee: Nil for the virtual card; ₹500 for the physical card
Annual / renewal fee: ₹750 (virtual and physical)
Annual fee waiver: Annual fee waived on spends of ₹1.5 lakh in the previous year.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

View official MITC →

Eligibility

NRI eligible: No

Co-branded with Kiwi, issued as a UPI-linked RuPay card available in virtual and physical form. Open to resident individuals meeting the bank’s assessment.

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Virtual and physical card options
UPI-linked payments via QR
Double reward points on retail merchandise
Domestic and international lounge programme

PNB Kiwi RuPay Select Credit Card

Explore related credit cards

Guides and tools

PNB Kiwi RuPay Select Credit Card

Explore related credit cards

Guides and tools