KIWI Credit Card — Reward Update (Effective 1 June 2025)

Starting 1 June 2025, the KIWI Credit Card reward structure is being simplified. Below is a clean, reader-friendly blog review that keeps every detail you shared, written in an organic tone and optimised for SEO.

Quick summary

From 1 June 2025, Kiwis (reward points) will be earned only on transactions of at least ₹100, and only on the portion that is in multiples of ₹100. The minimum redeemable balance becomes 500 Kiwis, and redemptions must be in blocks of 500 Kiwis. Your milestone cashback rate (for example, the elevated rate after crossing ₹150,000 of spends) still exists — but only qualifying spends (≥ ₹100 per transaction) will count toward that milestone. There is no separate lump-sum bonus for merely breaching ₹150,000; instead you get an elevated percentage on eligible spends after crossing the threshold.

1. Effective date

From 1 June 2025 onward, the following changes are in force. All transactions made on or after this date will follow the new rules described below.

2. Earning criteria — what changes

Previous rule → New rule (from 1 June 2025)

• Minimum transaction value: ₹50 → ₹100

• How Kiwis were awarded: Kiwis awarded on full transaction amount → Kiwis awarded only on the portion in multiples of ₹100

Key point / example:
If you spend ₹250 in a single transaction, you will earn Kiwis on ₹200 only (i.e., 2 × ₹100).
Transactions below ₹100 will not earn any Kiwis.

What this means for everyday use:

• Small-ticket purchases under ₹100 will no longer add to your Kiwi balance.

• For mid-sized bills (like ₹150–₹199), you’ll effectively lose the Kiwi benefit on the leftover amount below the last full ₹100.

• To maximise rewards: consolidate or time purchases so individual transactions reach full ₹100 multiples when practical.

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3. Redemption criteria — how you can use Kiwis

• Minimum balance to redeem: 500 Kiwis

• Redemption increments: Only in multiples of 500 Kiwis

Practical effect:
If you have 750 Kiwis, you can redeem 500 immediately; the remaining 250 will stay in your account until it reaches the next 500-block.

4. Milestone cashback rate — what remains and what changes

• The milestone cashback (for example, an elevated cashback % after cumulative spends cross ₹150,000) still applies.

• Important change: Only qualifying spends — that is, transactions of ₹100 or more and counted in multiples of ₹100 — will contribute toward this milestone.

• There is no separate lump-sum bonus for just breaching ₹150,000 in cumulative spends. Instead, once the ₹150,000 threshold is crossed (counting only eligible transactions), the higher cashback percentage applies to further qualifying spends.

5. What cardholders should do (practical tips)

• Consolidate small purchases where reasonable so spends cross the ₹100 threshold.

• Track your Kiwi balance and aim for redemption in 500-Kiwi blocks to avoid stranded small balances.

• Plan milestone spend: if you’re targeting the ₹150,000 milestone benefit, remember that only qualifying transactions count — plan larger eligible spends accordingly.

• Review recurring payments (subscriptions, utility autopay) — if they’re under ₹100 and you rely on them for points, they won’t help anymore.

Final thoughts

The KIWI CC update simplifies the rewards flow and reduces micro-earnings from tiny transactions. High-frequency small-ticket users will feel the change most; heavy spenders who already make ₹100+ transactions regularly will see minimal disruption and can still benefit from milestone cashback — provided they ensure their spends qualify under the new ₹100 rule. The net effect is a more streamlined programme but one that rewards deliberate, slightly larger transaction behaviour.