UPI / RuPay Credit Cards Compared (2026)
Quick answer UPI-on-credit cards let you pay merchants via UPI using a RuPay credit line. The four cards we review — Kiwi RuPay, Jupiter Edge+, Roarbank RuPay, and YES POP-CLUB — differ in earn mechanics (flat UPI cashback vs brand-capped vs category-pick), annual fees, lounge access, and app lock-in. This hub compares them side by side with fees verified against issuer MITCs. Pick one primary UPI credit card — juggling multiple apps rarely pays off.
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Last updated: 12 September 2026 · Fees last verified: September 2026 (issuer product pages and MITCs linked in each review)
Reviewed by Mahendra Patel · How we review cards · Corrections policy
All four cards are RuPay credit lines for UPI — rewards are earned inside the issuer/fintech app (Kiwi, Jupiter, Roarbank, POP Club). Linking the same RuPay card to PhonePe, GPay, or PayTM typically earns no accelerated rewards per co-brand terms. Small-merchant offline UPI (under ₹2,000) may be excluded on some programmes — confirm MITC.
UPI / RuPay cards at a glance
| Card | Issuer / Bank | Annual fee (typical) | Best for | Headline earn | Lounge | Review |
|---|---|---|---|---|---|---|
| Kiwi RuPay | Yes Bank Klick / AU Kosmo / PNB (via Kiwi) | Lifetime free (partner pages) | Flat UPI cashback; simple earn | ~1.5% UPI scan & pay · 0.5% online (base) | Neon milestones only | Full review → |
| Jupiter Edge+ | CSB Bank + Jupiter | Lifetime free renewal; joining ₹999 (often waived) | Amazon/Flipkart shoppers in Jupiter UPI | 10% on listed brands (capped/cycle) · 1% base | No | Full review → |
| Roarbank RuPay | UNITY Small Finance Bank | Lifetime free (₹0) | Monthly category planners; new-to-credit | Up to 20% on 2 chosen categories/month (₹2,500 cap) | No | Full review → |
| YES POP-CLUB | YES Bank + POP Club | ₹0 join; ₹399 renewal (waived at ₹1.5L spend) | POP Club shoppers; POPcoins redemption | 10 POPcoins/₹100 online · 5% POP UPI | No | Full review → |
Fees and benefits change — confirm on each issuer’s product page before applying.
Which UPI / RuPay card should you pick?
Flat UPI cashback, no category management: Kiwi RuPay — base ~1.5% on scan & pay, lifetime free, optional Neon for milestones/lounge. Compare UPI alternatives: Kiwi vs Jupiter · Kiwi vs YES POP-CLUB.
Heavy Amazon/Flipkart/shopping via Jupiter app: Jupiter Edge+ — 10% capped on partner brands, 7% Jupiter Flights, 5% OTAs, 1% base. Only works inside Jupiter UPI. Joining fee ₹999 (often waived).
Monthly category planner + new-to-credit friendly: Roarbank RuPay — pick 2 categories/month for up to 20% (₹2,500 cap), starter limits without credit history, linked savings up to 7% p.a., 62-day interest-free window.
POP Club ecosystem user: YES POP-CLUB — 10 POPcoins/₹100 online, 5% POP UPI, welcome bundles, fee waived at ₹1.5L spend. POPcoins redeem in POP app only.
Need 0% forex markup + gold rewards (not UPI-first): See BOBCARD Uni GoldX (RuPay but marketed for travel/forex, not UPI cashback) or Scapia vs Uni GoldX.
UPI / RuPay compares
- Kiwi vs Jupiter RuPay — flat UPI vs brand-capped shopping
- Kiwi vs YES POP-CLUB — cashback vs POPcoins
- Lifetime free cards hub — broader set including non-UPI cards
Sources
- GoKiwi — Kiwi UPI credit card
- Jupiter Money — Edge+ CSB RuPay Credit Card
- Roarbank — RuPay credit card
- YES Bank — POP-CLUB Credit Card
- Reserve Bank of India
FAQ
What is a UPI credit card? A RuPay credit line you can use to pay merchants via UPI — the credit is routed through the issuer’s app (Kiwi, Jupiter, Roarbank, POP Club). Rewards are typically locked to that app’s UPI flow.
Can I use a UPI credit card on PhonePe / GPay / PayTM? The RuPay card may link, but accelerated earn usually requires the issuer app per co-brand terms. Flat base earn (e.g., 1%) might work elsewhere — confirm MITC.
Which UPI credit card has lounge access? Only Kiwi RuPay offers it, and only via paid Kiwi Neon (~₹999/year) at eligible spend milestones (₹50k / ₹1L / ₹1.5L annual Kiwi spends). Jupiter, Roarbank, and POP-CLUB have no lounge benefit.
Which UPI credit card is best for new-to-credit? Roarbank explicitly markets starter limits without prior credit history. Kiwi, Jupiter, and POP-CLUB follow standard bank KYC/income assessment.
Risk disclosure: UPI credit is debt — pay statements in full to avoid interest. Reward caps, merchant lists, and category exclusions change. This content is informational only and is not financial advice. Disclaimer · Report an error