Kiwi Welcome Offer – Sep’25

Get Rs. 125 Cashback on your 1st transaction on the Kiwi app using your Credit Card issued via Kiwi between 12:00:00 pm on 10th September 2025 and 11:59:59 pm on 14th Sep 2025

1. Eligibility

   1. The Kiwi Welcome offer is valid only for customers who have received the offer communication through:
      1. A WhatsApp message on their registered number
      2. A push notification
      3. An in-app notification on Kiwi
   2. The transaction must be your 1st transaction using your YES Bank Klick Credit Card issued via Kiwi App
   3. The offer is limited to once per customer.
   4. On successful transaction, the user will receive 500 Kiwis.
   5. Kiwi reserves the right to determine cardholders' eligibility for the Kiwi Welcome Offer and to disqualify any cardholder who fails to meet the offer requirements or is suspected of misusing rewards, engaging in fraud, participating in suspicious transactions/activities, or violating fair usage of credit cards, legal requirements, or applicable rules and regulations.
   6. The Kiwi Welcome Offer shall be valid only on successful transactions via the Kiwi platform and transactions where refund has been initiated will not be considered for the Kiwi Welcome Offer. In case Kiwi learns that a cardholder is involved in malpractices relating to refund, Kiwi shall disqualify such cardholders from all further offers/ programs and benefits provided by Kiwi.
   7. Rewards under the Kiwi Welcome Offer will be won in the form of “Kiwis” and 4 Kiwis will equal 1.
2. Cardholder spends in the below merchant categories will be excluded from the offer milestone calculation if subscribed for Neon:

   Category	Details	Merchant Codes
   Agricultural Services	Agricultural Services, Cooperatives	0763, 0820, 0821, 0822, 0823, 0824, 0825
   Horticultural & Vet	Horticultural, Landscaping, Veterinary Services	0742, 0743, 0744, 0780
   Business Services	Auto Rentals, Repairs, Paint Shops, Jewelry and Watch Repair Shops	7512, 7523, 7531, 7535, 7538, 7631
   Government Services	Tax Payments, Court Costs, Postal Services, Fines	9211, 9222, 9223, 9311, 9399, 9400, 9402, 9405, 9311, 9700, 9701, 9702, 9751, 9754, 9950
   Marketing & Advertising	Direct Marketing & Advertising	5960, 5962, 5964, 5965, 5967, 5968, 5969, 7311
   Professional Services	Legal, Accounting, Educational Institutions	8111, 8931, 8220, 8241, 8299, 8675, 8211, 8249, 8241, 8244
   Retail Services	Auto Dealers, Fuel Stations, Jewelry, Petroleum	5094,5172, 5451, 5511, 5521, 5531, 5532, 5533, 5541, 5542, 5599
   Transportation	Bridge Fees, Tolls, Misc. Services	4784, 4789
   Utilities	Cable, Telecom, Electricity, Water	4812, 4813, 4814, 4816, 4821, 4829, 4899, 4900
   Miscellaneous	Jewelry Stores, Fuel Dealers, Financial Institutions, Insurance, Real Estate	5944, 5960, 5983, 6011, 6012, 6051, 6300, 6381, 6399, 6513, 6529, 6540

3. In case of a dispute in relation to the eligibility, availability and refunds and all the aspects discussed in the Terms & conditions above, the final decision lies with Kiwi.
4. For category and merchant classification, Kiwi will rely on the merchant category code/other information received by Kiwi during the transaction.
5. aspects discussed in the Terms & conditions above, the final decision lies with Kiwi
6. Kiwi reserves the right to withdraw the offer and nothing contained herein shall be construed as a binding obligation on Kiwi to continue the offer. We also reserve the right to discontinue the Kiwi Rewards without assigning any reasons or without any prior intimation whatsoever. Nothing contained herein shall amount to a commitment or representation by us to continue the “Kiwis” Rewards.
7. Participation in any offer is completely voluntary and users may choose to not participate in any offer
8. For purposes of clarity, Kiwi does not guarantee any reward to any cardholder.
9. Kiwi is not responsible for any tax implications on the User from their participation in any offer. Cardholders should obtain independent tax advice before entering any offer.
10. Please find the link to access the full terms and conditions of the Kiwi Rewards Policy: https://gokiwi.in/rewards-policy-v2/