{
  "id": "pnb-pnb-kiwi-co-branded-card",
  "locale": "en",
  "name": "PNB Kiwi RuPay Credit Card",
  "bank": "Punjab National Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Not Included (Optimized strictly for UPI cashback and mobile merchant payments)",
  "rewardsRate": "Up to 2.0% Flat Cashback (2 Kiwis / ₹100) on All RuPay UPI Merchant QR Payments · 100% LTF · Instant Digital Card",
  "bestFor": "UPI scan-and-pay spenders, digital-first millennials, tea/chai stalls, kirana shops, and daily offline QR payments",
  "officialLink": "https://pnbcard.in/types15.html",
  "aiVerdict": {
    "score": 4.8,
    "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": 2,
  "affiliateId": "pnb-pnb-kiwi-co-branded-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": [
    "Punjab National Bank & Kiwi Partnership — PNB Kiwi Virtual Credit Card schedule of charges and MITC",
    "GoKiwi Tech Private Limited — Up to 2% Kiwis cashback, 100% LTF terms & RuPay Credit-on-UPI guidelines"
  ],
  "feeWaiver": "100% Lifetime Free with zero joining or annual renewal charges forever",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "UPI Cashback",
      "value": "Up to 2.0% cashback on all merchant UPI QR scans"
    },
    {
      "key": "Card Type",
      "value": "100% Digital / Virtual Credit Card via Kiwi App"
    },
    {
      "key": "Joining Fee",
      "value": "₹0 (Zero setup charges)"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹4,000"
    },
    {
      "key": "Network",
      "value": "RuPay Credit on UPI"
    }
  ],
  "earnRates": [
    {
      "category": "RuPay UPI Merchant QR Payments",
      "rate": "Up to 2.0% Cashback (2 Kiwis / ₹100)",
      "monthlyCap": "Max ₹1,500 cashback / month",
      "perLakhSpent": "8,000 Kiwis (~₹2,000 direct cash)"
    },
    {
      "category": "Online E-Commerce Spends",
      "rate": "0.50% Cashback (0.5 Kiwis / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Kiwis (~₹500 cash)"
    },
    {
      "category": "Peer-to-Peer (P2P) UPI Transfers",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Kiwis"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Merchant UPI QR Scans",
      "multiplier": "4×",
      "rate": "Up to 2.0% Cashback",
      "monthlyCap": "₹1,500 / month",
      "dailyCap": "—",
      "note": "Up to 2% cashback across all verified merchant UPI QR scans."
    },
    {
      "channel": "Standard Online Transactions",
      "multiplier": "1×",
      "rate": "0.50% Cashback",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "0.50% cash on regular e-commerce transactions."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Bank Account Cash Transfer",
      "value": "1 Kiwi = ₹0.25 (Instant Cash)",
      "minPoints": "100 Kiwis",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "P2P personal money transfers to friends and family.",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.95% per month (35.40% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹4,00,0 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 60 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹20,000+ per month (Salaried or Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "700+ recommended for instant virtual approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}