Yes Bank Kiwi vs Pop Club Credit Card Comparison (Lifetime Free, 2025)
If you use UPI for daily payments, like grocery shopping, online orders, you already know how the popular UPI apps have made life much easier. But did you know you can get even more out of these payments with a credit card linked to UPI? Not just extra convenience, but flat cashback (from 1-5%) on your regular spend.
With new RuPay credit cards from Yes Bank, you get the best of both worlds: zero annual fee (lifetime free) and extra rewards on almost every merchant UPI transaction. The Kiwi Yes Bank card and the Pop Club credit card are both creating a buzz among those who want to maximize UPI rewards.
- Lifetime Free Offer: Both Yes Bank Pop and Kiwi credit cards are LTF.
- Cashback on UPI payment: Both cards support RuPay UPI linking, so you can use your credit limit for any UPI QR payment.
- High Cashback: Designed for UPI users, offering up to 5% cashback on UPI transactions.
| Feature | Yes Bank Pop Card | Yes Bank Kiwi Card |
|---|---|---|
| Joining/Annual Fee | ₹0 (Lifetime Free, conditionally) | ₹0 (Lifetime Free) |
| Joining Bonus | ₹251 | – |
| UPI Compatibility | Yes | Yes |
| Cashback | Flat 5% cashback + 5% POPcoins | 1.5-5% |
| Max Cashback Rate | 5% | Up to 5% (via Neon Subscription) |
| Redemption | Popcoins (convert/vouchers/cashback) | Kiwis (Direct Statement Credit) |
| Best For | Online shopping, brand offers | Heavy UPI spending, direct cashback |
Yes Bank Pop Credit Card:
- Get 10 Popcoins for every ₹100 spent online. (1 Popcoin = INR1, if redeeming at the partner brand’s store)
- Redeem Pop Points to get 10% off your UPI payment (maximum ₹20 off).
- Get 2% Popcoins for every ₹100 spent offline, and 5% on POP Club Rupay credit card.
Yes Bank Kiwi Card:
- Base Cashback: Earn 1.5% as Kiwis on all UPI Scan & Pay transactions.
- Online/Non-UPI Spends: Only 0.5% on general online spends.
- Redemption: Kiwis convert directly into real cash back directly into the bank(1 Kiwi = ₹0.25). This is simple, real cashback.
To Maximize (Kiwi Neon):
- Kiwi offers a Neon Subscription (₹999/year) which increases the potential rewards.
- You can unlock up to 5% direct cashback by meeting annual UPI spending milestones (e.g., ₹1.5 Lakh annual spend).
- Rewards are retroactively applied once milestones are hit, making it rewarding for high UPI spenders.
Tips for Daily UPI Users
- Redemption Simplicity: Kiwi is the clear winner for simplicity. It provides Kiwis (each coin’s value is 0.25 INR).
- Pop Card requires managing and redeeming points in its app.
- Online vs. UPI: Pop Card is better for general online shopping (10 Popcoins/₹100). Kiwi is strictly focused on UPI Scan & Pay (1.5% base).
- Hidden Costs: Both are LTF, but the Kiwi Card requires the ₹999 Neon subscription to hit the max 5% reward tier.
Pros & Cons
| Feature | Pop Card | Kiwi Card |
|---|---|---|
| Pros | – Higher reward rate for general online transactions. – Good value if you use the Pop app for vouchers/offers. |
– Simple, direct cashback (Kiwis convert to statement credit). – Up to 5% reward for high UPI spenders (via Neon). – Lifetime Free status (unconditional). |
| Cons | – Rewards are in Popcoins, not direct cashback. – Lower effective cashback if not redeemed strategically in the app. |
– Rewards on non-UPI/online spends are very low (0.5%). – Needs the Kiwi Neon subscription (₹999/year) to unlock max rewards. – Better suited for users spending over ₹50,000 annually on UPI. |
Which Should You Choose?
For most UPI users, especially if your goal is low-effort, high-return UPI rewards, the choice is simple:
- Go for the Kiwi Card if: Your primary goal is maximizing UPI cashback, you spend moderately to heavily on UPI (over ₹5,000/month), and you prefer simple, direct cashback over managing points.
- Go for the Pop Card if: If your spending is mixed (online + offline UPI), and you enjoy redeeming vouchers/offers through a dedicated rewards app.
Bottom Line: The Kiwi Card offers the best pure UPI cashback system, especially for high spenders. The Pop Card offers better value if you use its co-branded benefits and vouchers.
Tips for Maximizing UPI Credit Card Rewards
- Use UPI-linked credit card for every regular purchase (grocery, food delivery, utilities).
- Always check if the merchant QR supports RuPay UPI via credit card (most now do).
- Redeem rewards/cashback promptly; don’t let points expire.
- Track monthly caps—once you reach the cashback limit, switch to another card or method.
