POP UPI: Refer & Earn | Flat 5% Cashback on UPI | Free Pop Coins worth ₹200 for Rupay CC Users

In this article, we will talk about POP UPI latest offers and its flat 5% cashback scheme on UPI payments. 

If you are an avid UPI user, you need to know about this application: Pop UPI. The application offers a lifetime free RuPay credit card and assured cashback on online and offline UPI transactions.

If you’ve used Kiwi or Super.Money you can envision POP UPI app. However, while those apps are purely UPI-first applications, Pop combines deals and UPI payment facilities.

Additionally, it has a  “Pop UPI refer and earn” program and exciting joining bonuses for new users. We will briefly discuss what the Pop UPI application is, POP UPI refer and earn program, and learn about its core offering: the Pop UPI Club credit card. If you obtain this card, you will be entitled to earn a flat 5% cashback on every UPI payment.

POP UPI Latest offer: As of writing this blog in September 2025, it offers a flat 5% cashback program on rupee-based UPI transactions with its exclusive Pop Club UPI credit card. 

Additionally, for every user, it is offering up to ₹100 cashback. While you probably won’t receive the full amount, you may get substantial real cashback on every UPI payment.

Let’s get started.

POP UPI Payment App

Pop UPI includes shopping and UPI payment facilities, providing assured 2% cashback in the form of Pop Points on every UPI payment through Pop UPI.

It features around 500+ Indian brands on Pop UPI, where you can find popular D2C brands such as Puma, Boat, Noise, Portronics, Snitch, and many more. Over and above that, offer an exclusive, co-branded Rupay credit card – Yes Bank Pop Club credit card – to maximise rewards on UPI payments, offering flat 5% real cashback (not Pop Coins). And the card is available at no cost for life.

Pop UPI Highlights at a Glance:

1. UPI + POPShop (500+ Indian Brands)
2. Exclusive Co-Branded Yes Bank Pop Club Rupay Credit Card for UPI rewards.
3. Refer and earn program
4. PopCoins for shopping

POP UPI Refer & Earn Program

As part of its referral program, if someone joins Pop UPI using a referral link or referral code, the user will receive extra cashback when they complete their first UPI transaction. User will receive minimum ₹5 cashback on their first-ever UPI payment. You can use the Pop UPI referral code SH7ALSYSKS. Furthermore, you can also find the referral link below to download the application.

POP UPI[Referral Link]

Pop UPI Referral Program – Step-by-Step

1. Download the Pop UPI app
2. Use a referral code during signup to get ₹5 assured cashback on your first UPI payment
3. Go to the “Refer and Earn” section in the app
4. Generate your unique referral link and code
5. Share your referral link/code with friends
6. Earn ₹25 for every successful referral (when they make their first UPI payment)
7. Earn up to ₹5000 through referrals

How Pop UPI Cash Back Works

Now, let’s talk about how it provides cashback because its cashback scheme is somewhat tricky. Regular users who don’t have the exclusive Pop Club UPI credit card have a different cashback scheme. Those who own the RuPay credit card have an exclusive 5% cashback on every UPI payment.

For Regular Users:

• You can earn up to ₹100 cashback on UPI payments.
• This applies whether you pay using your bank account or credit card (non-Pop Club).
• Cashback is not flat — it’s limited and varies per transaction.
• It’s mostly a marketing offer to attract new users.

For Pop Club Credit Card Holders:

• You get a flat 5% real cashback on every UPI payment made via the Yes Bank Pop Club RuPay Credit Card.
• This cashback is not in Pop Points, it’s actual money.

Joining Bonus on Credit Card Approval:

• ₹500 off on PharmEasy
• ₹2,000 off on Cleartrip flights
• ₹250 off on Blinkit
• ₹500 off on CultFit
• ₹100 off on Rapido rides

You can also use it to get discounts on merchants like Zepto, Swiggy, and Ajio. But the primary, exclusive benefit of owning this credit card is flat 5% cashback on every UPI payment through the Pop UPI application.

FAQ

1. What is the POP UPI referral code?

The POP UPI referral code is SH7ALSYSKS.

2. What is the referral program?

The referral program lets you earn rewards by inviting friends and family to use POP UPI. Share your referral link or code and get ₹25 cashback  for every successful referral, while your friends get ₹5.

3. Am I eligible to participate in the referral program?

You’ll need to make at least 1 UPI transaction on POP before you can start referring.

4. How can I refer to someone?

Share your unique referral link or code with friends. They can sign up or reactivate their account using your link/code.

5. Whom can I refer to?

You can refer:

New users: Anyone who has never signed up for POP before.

Inactive users: Existing users who haven’t made a UPI transaction in the past 30 days.

6. How many people can I refer to?

There’s no limit to how many people you can refer, but the maximum reward you can earn per campaign is ₹5,000.

7. When will I get the cashback?

You’ll receive ₹25 cashback in your Cashback Zone within 2 Business Days when your friend makes a UPI transaction during the campaign period.

8. Where will I receive my cashback?

Cashback is credited to your Cashback Zone. You can withdraw it once your Cashback Zone balance reaches ₹15.

9. What happens if the campaign ends before my friend completes the referral steps?

They must complete all required steps (i.e. make a UPI transaction) before the campaign ends to earn the reward.

10. What happens if I hit the ₹5,000 limit?

The referrer will stop earning cashback, but referees can still earn ₹5 for their first UPI transaction during the campaign.

11. Why didn’t I earn a referral reward?

There could be several reasons:

• The person you referred didn’t apply your referral link or code.
• The person you referred didn’t complete a qualifying UPI transaction during the campaign period.
• You’ve reached the maximum earnings cap of ₹5,000 for this campaign.