India is rapidly moving towards a cashless economy, and UPI (Unified Payments Interface) has become a part of everyday life. While UPI is mostly used with debit cards or direct bank transfers, a new innovation allows credit card users to enjoy the same UPI benefits. AU Small Finance Bank, in partnership with Kiwi, has introduced the AU Bank Kiwi Kosmo Credit Card — a credit card that works seamlessly with UPI apps like Google Pay, PhonePe, and Paytm.
This is India’s first UPI-enabled numberless credit card, combining the ease of digital payments with the benefits of credit. Whether you’re buying groceries, paying bills, or shopping online, this card offers convenience, rewards, and better control over your finances.
In this article, we’ll explain everything you need to know about this new credit card — features, benefits, charges, application process, and much more. Read on to find out if this card suits your lifestyle and financial goals.
What is the AU Bank Kiwi Kosmo Credit Card?
The AU Bank Kiwi Kosmo Credit Card is a new-age credit card that allows you to link it with your UPI ID and use it for UPI payments at merchants across India. It functions like any other credit card but is designed to be used directly via popular UPI apps.
It is also a numberless card, which means no card details (like card number or CVV) are printed on the physical card. This makes it more secure for online and offline use. All card details are stored safely inside the Kiwi mobile app.
Key Features of AU Bank Kiwi Kosmo Credit Card
This credit card introduces several features designed to appeal to digital users and those seeking a modern credit experience.
- UPI-Enabled Credit Payments
You can make UPI payments using this credit card through apps such as PhonePe, Paytm, and Google Pay. - Numberless Card for Enhanced Security
No sensitive card details are printed on the physical card. - Fully Digital Onboarding
Apply online through the Kiwi app and receive instant virtual card access. - Reward Points on Every Spend
Earn 1 percent reward points on most transactions, including UPI payments. - Credit Limit of up to ₹2,00,000
Based on your credit profile, you can enjoy a generous credit limit. - App-Based Card Management
Lock/unlock, check usage, and view statements using the Kiwi mobile app.
Why This Card is Useful in Daily Life
The AU Bank Kiwi Kosmo Credit Card is designed for people who already use UPI regularly but want the added benefits of a credit card. Traditionally, UPI payments have been linked to debit cards or savings accounts. With this card, you can now enjoy the following advantages:
- Use a credit limit to make UPI payments
- Earn reward points on UPI transactions
- Keep your bank balance untouched while still spending
- Increase your credit score with timely payments
- Manage expenses using a mobile app
Whether it’s for grocery shopping, dining out, online payments, or utility bills, this card brings ease, flexibility, and benefits.
Benefits of AU Bank Kiwi Kosmo Credit Card
This section outlines the most relevant and practical benefits of using the card in everyday life.
- Works with major UPI apps
- 1 percent reward points on eligible spends
- Digital card activation and management
- Secure numberless physical card
- Credit access without traditional card swipes
- Accepted at most UPI QR codes across India
- Improves financial discipline through app-based tracking
- Quick application and paperless approval process
How to Apply for the AU Bank Kiwi Kosmo Credit Card
Applying for the card is quick and can be done entirely online. Here’s a step-by-step guide:
- Download the Kiwi App from the Play Store or App Store.
- Sign up using your mobile number and PAN card.
- Complete e-KYC through Aadhaar verification.
- Submit any additional documents if required.
- Once approved, receive the virtual card immediately.
- Link the virtual card with your UPI app for usage.
- The physical card will be sent to your address within a few days.
Fees and Charges
Understanding the fee structure is important before applying. Here’s a breakdown:
| Particulars | Charges |
|---|---|
| Joining Fee | ₹0 (First year free) |
| Annual Fee (Second Year) | ₹499 + GST |
| Interest Rate on Late Payment | Up to 3.5% per month |
| UPI Transactions | No extra fee |
| Card Replacement Fee | ₹100 + GST |
| Reward Redemption Fee | None |
Note: Always read the latest terms on the official AU Bank or Kiwi website before applying.
Where Can You Use This Card?
The card works at any merchant that accepts UPI QR code payments and supports credit card-based UPI transactions.
Some examples include:
- Local grocery stores
- Supermarkets and departmental stores
- Restaurants and cafes
- Fuel stations
- Online shopping platforms
- Mobile and utility bill payments
- Travel bookings and entertainment apps
As more merchants start accepting UPI via credit cards, usability is only expected to grow.
Security Features
Security is one of the strongest aspects of this card. Here’s what makes it secure:
- No visible card number, CVV, or expiry date
- All information is accessible only via the Kiwi app
- Real-time notifications for each transaction
- Ability to lock/unlock the card instantly via the app
- PIN-protected for every payment
These features help protect users against card fraud and misuse, especially online.
Comparison: AU Bank Kiwi Kosmo vs Traditional Credit Card
| Feature | AU Bank Kiwi Kosmo | Traditional Credit Card |
|---|---|---|
| UPI Support | Yes | Mostly Not Supported |
| Numberless Design | Yes | No |
| Digital Onboarding | Yes | Sometimes |
| Virtual Card Availability | Instant | Varies |
| Reward Points on UPI Spend | Yes | Rare |
Who Should Consider This Card?
This credit card is well-suited for:
- People who prefer UPI over card swipes
- First-time credit card users
- Mobile-first, tech-savvy individuals
- Salaried professionals or freelancers
- Online shoppers looking for credit options
- Anyone seeking rewards on daily expenses
FAQs: AU Bank Kiwi Kosmo Credit Card
Q1. Is this a debit or credit card?
It is a credit card, but it works with UPI like a debit card.
Q2. Can I use this card on Google Pay and Paytm?
Yes, the card can be linked to all major UPI apps that support credit payments.
Q3. What is the joining fee?
There is no joining fee for the first year. From the second year onwards, the annual fee is ₹499 + GST.
Q4. Do I need an AU Bank account to apply?
No, you do not need an AU Bank savings account.
Q5. How do I receive the card?
Once approved, you will get instant access to a virtual card. The physical card will be delivered to your address.
Q6. Can I earn rewards on UPI payments?
Yes, you will earn 1 percent reward points on eligible UPI and card spends.
Q7. Is the card safe for online use?
Yes. The card has no visible numbers and is fully secured through the app.
Q8. Can I manage my card using the app?
Yes. You can control usage, lock/unlock the card, view transactions, and more through the Kiwi app.
Conclusion
The AU Bank Kiwi Kosmo Credit Card offers a unique and modern payment solution for digital-first users. With the ability to pay via UPI using credit, it opens up new convenience and reward opportunities. It’s safe, easy to use, and suitable for anyone looking to shift from cash or debit cards to credit — while maintaining the comfort of UPI.
Whether you are new to credit or a seasoned cardholder, this card is worth considering if you want a simplified, reward-based, mobile-friendly payment experience.
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