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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
PNB · RuPay

PNB Kiwi Virtual RuPay Credit Card

Best forEducation & Insurance
Earns0.5% cashback on retail tr on education
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on education and insurance, where it earns 0.5% cashback on retail tr
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Education0.5% cashback on retail tr
Insurance0.5% cashback on retail tr
Utilities0.5% cashback on retail tr
Dining0.5% cashback on retail tr
Travel0.5% cashback on retail tr
All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rental payments (MCC 6513) are excluded from cashback by Kiwi policy.
Education0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
Insurance0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
Utilities0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions do not accrue reward points. 1% fuel surcharge waiver applies.
Groceries——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Dining0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Shopping——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Travel0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
Government0.5% cashback on retail tr—0.5% cashback on retail transactions
Details
Status
Verified
Issuer note
0.5% cashback on retail transactions.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet loading transactions (MCC 6540) do not accrue rewards.
Railways——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
FASTag——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Telecom——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Shopping — ₹500 / month (per category — Shopping)

Key benefits

Rewards
0.5% cashback on retail tr on education

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at ₹500 / month (per category — Shopping)
  • No reward on: Rent, Fuel, Wallet
  • Research pending: Groceries, Food Delivery, Shopping, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in education, insurance, utilities
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, fuel, wallet, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 3 no-reward categories
Caps
  • Shopping — ₹500 / month (per category — Shopping)
Categories with no reward or not eligible
  • Rent — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to PNB's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
Other categories recorded for this card
  • Grocery — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
  • Online Shopping — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
  • Offline Shopping — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
  • Hotels — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
  • UPI — 1.5% cashback. 1.5% instant cashback on merchant QR Scan & Pay (P2M >= ₹50)
  • Healthcare — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
  • Other / General Retail — 0.5% cashback on retail tr. 0.5% cashback on retail transactions
What DhanChakshu couldn't fully verify · 10 areas

10 areas need further verification. None of these are counted as zero.

  • • Groceries — research pending
  • • Food Delivery — research pending
  • • Shopping — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-26

Verification coverage: 9 of 16 categories verified · 7 still being verified

Card record last checked: 2026-09-26

Documents used
PNB Virtual RuPay Credit Card on UPI Program · PNB-SRC-020 · 2026-09-26
PNB Kiwi Virtual RuPay Credit Card Most Important Terms · PNB-SRC-034 · 2026-09-26
PNB Kiwi Virtual RuPay Credit CardLifetime free