Customer Reviews (100)

Sekhar Haldar • 2025-07-16T06:06:23.900Z

useful and safe

Majeda Khatun • 2025-07-16T05:59:08.593Z

excellent app

Sohail Rs • 2025-07-16T05:43:02.975Z

awesome aap

Summary of Key Insights

Kiwi: Cashback + UPI on Credit is an app that aims to provide a seamless UPI payment experience using credit cards with cashback rewards. The app has a mixed reception. While many users praise its ease of use, cashback rewards, and overall convenience, a significant portion of users have reported negative experiences, particularly regarding cashback issues, account blocking without reason, and app instability. The overall rating is skewed towards positive, with 62% of reviews being 5-star, but the 22% of 1-star reviews indicate serious problems that need addressing. The app boasts a unique value proposition, but its execution needs improvement to ensure a consistent and reliable user experience.

Key Strengths: Ease of use, cashback rewards, convenient UPI integration with credit cards. Key Weaknesses: Cashback inconsistencies, account blocking issues, app instability/crashes, poor customer support, credit card rejection issues, misleading offers.

Overall Sentiment: Mixed, with a significant negative undercurrent. Overall Rating: Skewed positive due to a large number of 5-star reviews, but the high number of 1-star reviews indicates significant problems. Score Distribution: 5-star (62%), 4-star (12%), 3-star (3%), 2-star (1%), 1-star (22%)

Data & Methodology Overview

  • Data Sample Size: 100 reviews
  • Time Frame: Not explicitly stated, but assumed to be recent based on the context of the reviews.
  • Analysis Methods: Sentiment analysis (manual assessment based on review text), keyword extraction (identifying recurring themes and issues).

Key User Pain Points

  • Cashback Issues: Many users report inconsistent or reversed cashback, misleading offers, and a failure to receive promised rewards. This is a significant source of frustration.
  • Account Blocking: Several users reported their accounts being blocked without a clear explanation, leading to a negative user experience.
  • App Instability/Crashes: Some users, particularly on OnePlus devices initially, reported app crashes, which disrupts the payment process.
  • Poor Customer Support: Users have complained about the lack of responsiveness and unhelpful nature of customer support.
  • Credit Card Rejection: Some users with good credit scores reported being rejected for a credit card without a clear reason.
  • Functionality Issues: Some users have pointed out missing functionalities compared to similar apps.

Frequently Requested Features

  • UPI Pin Set Using Aadhar Verification: One user specifically requested the ability to set up UPI PIN using Aadhar verification, similar to other apps.
  • Option to Edit KYC Information: Users want the ability to correct or update KYC information within the app.
  • Clear Explanation for Credit Card Rejection: Users are requesting more transparency regarding the reasons for credit card application rejections.

Strengths and Positive Aspects

  • Ease of Use: Many users find the app easy to use and navigate, with a clean interface.
  • Cashback Rewards (Potentially): When the cashback system works as intended, it is a major draw for users.
  • Convenient UPI Integration: The ability to use a credit card for UPI payments is a unique and appealing feature.
  • Quick Approval (In some cases): Some users reported a fast and smooth credit card approval process.
  • Good UI: Some users praised the app's user interface.

Prioritized Action Recommendations

High Priority:

  • Fix Cashback Inconsistencies: Investigate and resolve the issues causing inconsistent or reversed cashback. Implement a transparent cashback tracking system.
  • Address Account Blocking Issues: Review the account blocking policy and ensure fair and transparent procedures. Provide clear explanations to users when their accounts are blocked.
  • Improve App Stability: Address the reported app crashes and performance issues, particularly on OnePlus devices. Conduct thorough testing on various devices.
  • Enhance Customer Support: Improve the responsiveness and helpfulness of customer support. Provide clear channels for users to report issues and receive assistance.

Medium Priority:

  • Provide Clearer Credit Card Rejection Explanations: Offer more detailed reasons for credit card application rejections.
  • Implement Aadhar-Based UPI Pin Setup: Add the option to set up UPI PIN using Aadhar verification for enhanced user convenience.
  • Improve App UI: While some users praised the UI, others suggested improvements. Consider conducting user testing to identify areas for optimization.

Low Priority:

  • Add KYC Information Editing: Allow users to edit their KYC information within the app.

Opportunities for Startup Ideas

  • Transparent Cashback Tracking Platform: A platform that provides real-time and transparent tracking of cashback rewards, ensuring users receive the promised benefits.
  • Credit Score Improvement Tool: A service that helps users understand and improve their credit scores, increasing their chances of credit card approval.
  • UPI Payment Dispute Resolution Service: A service that helps users resolve disputes related to UPI transactions, providing a fair and efficient resolution process.

Trends and Observations

  • Cashback Concerns: The most prevalent negative feedback revolves around cashback issues, suggesting a systemic problem with the rewards program.
  • Device-Specific Issues: The initial reports of crashes on OnePlus devices highlight the importance of device-specific testing.
  • Language Preference: Some reviews are in Hindi, indicating a need for multilingual support and localized content.
  • Polarized Sentiment: The high concentration of both 5-star and 1-star reviews suggests a polarized user experience, with some users having excellent experiences while others face significant problems.

Conclusion

Kiwi has the potential to be a valuable app for users seeking to leverage credit card benefits with the convenience of UPI. However, the significant negative feedback regarding cashback, account blocking, and app stability must be addressed to improve user trust and satisfaction. Prioritizing the resolution of these issues and focusing on transparency and reliable customer support is crucial for the app's long-term success. The high number of 5-star reviews indicates that the core concept resonates with users, but the execution needs substantial improvement.

Overall Recommendation: Address critical issues related to cashback, account blocking, and app stability immediately. Invest in customer support and transparency to build trust and improve the user experience.

Original App Link

https://play.google.com/work/apps/details?id=in.gokiwi.kiwitpap