{
  "id": "axis-kwik-credit-card",
  "locale": "en",
  "name": "Kwik Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "2% Cashback on UPI QR Scans · 0.5% other · Instant Bank Account Credit · 100% LTF",
  "bestFor": "UPI QR scanner payments, instant bank account cashback & virtual card issuance",
  "officialLink": "https://gokiwi.in/",
  "aiVerdict": {
    "score": 4.2,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "axis-kwik-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank & Kiwi — Kwik Virtual Credit Card schedule of charges",
    "Kiwi App — 2% UPI rewards and direct bank transfer terms"
  ],
  "feeWaiver": "Lifetime Free — No annual fee forever",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "UPI Scan & Pay",
      "value": "Up to 2% Cashback"
    },
    {
      "key": "Cashback Payout",
      "value": "Direct Bank Transfer"
    },
    {
      "key": "Card Format",
      "value": "100% Instant Virtual"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "Other Spends",
      "value": "0.5% Flat Cashback"
    },
    {
      "key": "Approval Time",
      "value": "Instant Virtual Card"
    }
  ],
  "earnRates": [
    {
      "category": "UPI Merchant QR Scans on Kiwi App",
      "rate": "Up to 2.0% Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹2,000 (Direct bank transfer)"
    },
    {
      "category": "All Other Online E-Commerce Spends",
      "rate": "0.5% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹500"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Kiwi App UPI QR Scans",
      "multiplier": "UPI",
      "rate": "Up to 2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Cashback on merchant payments."
    },
    {
      "channel": "Online E-Commerce",
      "multiplier": "Base",
      "rate": "0.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "0.5% flat on card transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Savings Bank Account Credit",
      "value": "₹1.00 per ₹1.00 cash",
      "minPoints": "₹0 (Instant transfer)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Peer-to-peer (P2P) transfers to friends and family.",
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000)."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}