Pop UPI or Navi UPI? Which is Better

Pop UPI is making noise lately as it’s offering assured cashback on every UPI payment above ₹19 made to merchants. On the other hand, Navi gives assured Navi Coins on every payment. So, if you’re wondering which one is better, we’ll break it down for you, Pop UPI or Navi UPI? Compare their cashback programs and overall experience.

Let’s understand their core focus first:

Pop UPI Focus:

• Built mainly around cashback and rewards

• Simple interface, no clutter, just make payments and earn coins

• Focused on making merchant payments more rewarding

• Pop Club Card gives lifetime 10% reward potential (cashback + Pop Coins)

Navi UPI Focus:

• Part of the Navi Finserv ecosystem, offering loans, investments, and insurance

• Finance and UPI

• Gives assured Navi Coins for transactions

• Clean UI and stable payment flow

Let’s start with Navi

Navi is not just another UPI app. It’s a fintech app where you can pay bills, transfer money, take loans, invest, and much more. Talking about its UPI feature, Navi gives assured Navi Coins on every transaction. You can also make payments via your RuPay credit card, and earn cashback on recharges, bill payments, and other offers inside the app.

The app has 100M+ downloads and a 4.5★ rating, and in terms of usability, it’s quite smooth and minimal. The UPI experience feels fast, stable, and user-friendly — exactly what you expect from a top-tier app.

See Also: 12 Best UPI Apps for Cashback[Flat 5% Rewards

Now let’s talk about Pop UPI

Pop UPI has also crossed 100M+ downloads with a 4.4★ rating, so it’s already in the big league. Design-wise, Navi feels a bit cleaner, but Pop has something that really stands out, which is its cashback/reward program

For any fintech app in India, rewards are a huge deal. UPI payments alone aren’t enough to attract users; people want assured cashback or coins, something tangible in return.

That’s where Pop wins. It gives flat 2% Pop Coins on every UPI transaction. We’ve already discussed Pop Coins and its reward program in detail earlier, including their value and redemption process, but to keep it short, you can use these coins for discounts on UPI payments and purchases.

And if you have a Pop Club Card, you can multiply your cashback even more. You get 5% instant cashback + 5% Pop Coins on UPI payments.  So in terms of rewards, Pop UPI clearly beats Navi.

See Also: Super.money UPI Cashback: Earn Rewards on Every Payment

Feature	Pop UPI	Navi UPI
Download	Download Pop UPI	Download Navi UPI
Transaction Fees	₹0 (Free UPI transfers)	₹0 (Free UPI transfers)
Daily/Monthly Limit	Follows NPCI standard (₹1 lakh/day)	Same as NPCI standard
Bank Account Linking	Supports all major banks	Supports all major banks
QR Code Payments	Yes	Yes
Offline Payments	No (Requires internet)	No (Requires internet)
Bill Payments	Yes (with cashback offers)	Yes (with Navi Coins)
Merchant Payments	Yes (Extra rewards on merchant QR)	Yes

Security Measures and Data Protection

They are NPCI-certified and use standard two-factor authentication, UPI PIN, and optional biometric verification. Both require UPI PIN setup and optionally support biometric unlock on compatible devices.

Rewards and Cashback Programs

This is where things really get interesting.

Pop UPI:

• Offers flat 2% Pop Coins on every UPI payment above ₹19

• With Pop Club Card → 5% cashback + 5% Pop Coins (lifetime free)

• Pop Coins can be redeemed for vouchers, discounts, or even direct cashback

Navi UPI:

• Offers Navi Coins on every transaction

• 100 Navi Coins = ₹1 (so reward rate is quite low)

• Cashback is random,  not fixed or assured per transaction

So overall, when it comes to rewards, Pop UPI is miles ahead. You know what you’ll get: fixed cashback or coins every time you pay. Navi, on the other hand, feels like a hit-or-miss setup.

Additional Financial Tools (Loans, Insurance, Investments)

Through the Navi app, you can:

• Apply for instant personal loans

• Invest in mutual funds

• Buy health and life insurance

• Track all your finances in one dashboard

Pop UPI, meanwhile, sticks to what it does best: simple UPI payments and rewards.

Features and Rewards

It really depends on what kind of user you are:

For daily small payments:
→ Pop UPI gives better value. Fixed 2% rewards on each transaction.

For reward hunters:
→ Pop UPI, without doubt. You know exactly what you’ll earn.

For Students and Young Adults: Pop UPI – because of simple payments + assured cashback.
For Professionals: Navi – better for managing both payments and investments.
For Investors: Navi – full financial suite in one place.
For Cashback Lovers: Pop UPI – lifetime free rewards and higher cashback rates.
For Security-focused Users: Both are safe and NPCI-approved.

See Also: Yes Bank Kiwi vs Pop Card Comparison (Lifetime Free, 2025)

Conclusion

The downside of Navi is that it doesn’t have a fixed or dedicated cashback policy. You might get some Navi Coins for a few transactions, but after that, the rewards drop drastically. 100 Navi Coins = ₹1, which means even after multiple transactions, you might end up earning a few paise.

Many users find this disappointing because there’s no guaranteed cashback amount. Pop UPI, on the other hand, at least assures a minimum cashback or Pop Coins on every UPI payment.