YES POP vs Kiwi RuPay
YES POP or Kiwi RuPay?
For UPI payments, the Kiwi RuPay card is superior as it offers a 1% direct cash return deposited to your bank. The YES POP card rewards users with POPcoins which must be redeemed within their app ecosystem.
For UPI payments, the Kiwi RuPay card is superior as it offers a 1% direct cash return deposited to your bank. The YES POP card rewards users with POPcoins which must be redeemed within their app ecosystem.
Table of Contents
1. Quick Look
2. Head-to-Head Comparison Table
| Feature | YES POP | Kiwi RuPay |
|---|---|---|
| Annual Fee | ₹399 + GST (Waived on ₹1 Lakh spend) | Lifetime Free |
| Best For | UPI Rewards | Scan & Pay UPI Cashback |
| Cashback / Rewards | Earn POPcoins on UPI transactions and online spends | 1% effective cashback via Kiwis on UPI spends |
| Lounge Access | None | None |
| EMI Options | Available for non-UPI spends above ₹2,500 | Available for non-UPI spends above ₹2,500 |
| Welcome Offer | Bonus POPcoins on first transaction | Kiwis bonus on joining |
3. Category Winners
| Best for Cashback | 🏆 Kiwi RuPay |
| Best for Rewards | 🏆 YES POP |
| Best for Lounge Access | 🤝 TIE |
| Best for Low Fees | 🤝 TIE |
| Best for Beginners | 🏆 Kiwi RuPay |
4. Final Verdict: Which Card Should You Choose?
5. People Also Ask & FAQs
People Also Ask
Is Kiwi the best UPI card?
Yes, its lifetime free pricing and direct cash transfer make it the top choice for UPI.
What is the value of YES POPcoins?
Their value is dynamic based on the redemption catalog in the POP app.
Comparison FAQs
Which card is lifetime free?
The Kiwi card is lifetime free, while YES POP charges ₹399.
Do both cards work on Google Pay?
Yes, both are RuPay credit cards and work on all major UPI apps.
Which offers direct cashback?
Kiwi offers direct cash to your bank account. YES POP offers coins.
Can I use them for offline swiping?
Yes, both can be swiped on PoS machines, but rewards are lower compared to UPI.
Which app experience is better?
Kiwi is highly praised for its seamless, native app experience dedicated to UPI.
Are there any hidden charges?
Standard credit card charges apply to both if bills are not paid in full.
Which is better for heavy offline spends?
Neither. Both are specifically optimized for UPI QR code scans.
Do they offer lounge access?
No, neither of these UPI-focused cards offer airport lounge access.
✓ Verified by CreditConnects Editorial Team
📅 Last Updated: July 2026
|
✅ Fact Checked
|
📋 Independent Review
Our editorial team verifies all card terms directly against official bank MITC documents and RBI circulars before publishing. We update this page whenever terms change.
★★★★
4/5 — CreditConnects Expert Score
Trust Indicators
- ✓ Official Bank Partner
- ✓ Secure Application
- ✓ No Hidden Charges
- ✓ Updated Information
Sources: Official Bank MITC | RBI Circulars (2025/26) | Visa / Mastercard / RuPay Network Guidelines
