Kiwi Welcome Offer - September, 2025

Make the first transaction on Kiwi using your YES Bank Klick Credit Card or AU Bank KOSMO Credit Card and get ₹100 instant Cashback. Offer valid between 00:00:00 am on 27th September 2025 and 11:59:59 pm on 5th October 2025.

1. Eligibility

   1. Select users are eligible for the offer program, as communicated via mobile app/ whatsapp/ push notification
   2. Offer is applicable to customers who make their first transactions of ₹100 and above on Kiwi using their YES Bank Klick Credit Card or AU Bank KOSMO Credit Card
   3. Valid only on Yes Bank Klick Credit Card and AU Bank KOSMO Credit Card transactions on the Kiwi platform.
   4. Reward will be won in the form of "Kiwis", and 4 Kiwis equal ₹1.
   5. Overall Cashback capped at Rs. 100 (400 Kiwis) per user for the offer
   6. Kiwi reserves the right to determine cardholders' eligibility for the 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.
2. Cardholder spends in the below merchant categories will be excluded from the offer:

   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. For category and merchant classification, Kiwi will rely on the merchant category code/other information received by Kiwi during the transaction.
4. Customer eligibility for the offer is at the sole discretion of Kiwi, and Kiwi reserves the right to disqualify any customer who does not meet the offer requirements or for reasons including, but not limited to, misuse, fraud, suspicious transaction/activity, any legal requirement, or applicable rules and regulations.
5. In case of a dispute, the final decision lies with Kiwi.
6. Customers selected are at the sole discretion of Kiwi.
7. Nothing contained herein shall be construed as a binding obligation on Kiwi to continue the offer.
8. Participation in any offer is completely voluntary. Users may choose not to participate in any offer. Kiwi does not guarantee any reward to any user.
9. Kiwi is not responsible for any tax implications on the user from their participation in any offer. Users should obtain independent tax advice before entering any offer.
10. 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.
11. Please find the link to access the full terms and conditions of the Kiwi Rewards Policy: 🔗 https://gokiwi.in/rewards-policy-v2/