Kiwi vs YES POP-CLUB: Which UPI Credit Card Is Better?
Quick answer Kiwi RuPay fits flat UPI cashback (~1.5% scan & pay in the Kiwi app; optional Neon for milestones). YES Bank POP-CLUB fits POP Club shoppers who earn POPcoins (10 per ₹100 online, extra on POP UPI) and will clear ₹1.5 lakh/year to waive ₹399 renewal. Pick Kiwi for simple UPI math; POP-CLUB if you already live in the POP app ecosystem.
Disclosure Our Kiwi review uses a partner apply link; POP-CLUB links are official YES Bank only. Affiliate disclosure · LetsThinkWise Credit is not registered with SEBI. Disclaimer
Last updated: 28 June 2026 · Fees last verified: June 2026
Reviewed by Mahendra Patel · How we review cards · Corrections policy
Both are RuPay credit-on-UPI fintech cards — rewards depend on the Kiwi or POP Club app, not generic PhonePe/GPay earn. Full reviews: Kiwi RuPay · YES POP-CLUB. Also see Kiwi vs Jupiter RuPay.
Quick verdict
Choose Kiwi for predictable UPI cashback on everyday merchants and lifetime-free positioning. Choose POP-CLUB if you shop through POP Club brands, want POPcoins welcome bundles, and will hit ₹1.5L/year spend for fee waiver + milestone coins. Choose neither if you want open-loop bank cashback or travel lounges — both are app-ecosystem cards.
Side-by-side comparison
| Feature | Kiwi RuPay | YES Bank POP-CLUB |
|---|---|---|
| Issuer | Yes / AU / PNB via Kiwi app | YES Bank + POP Club |
| Joining fee | Nil (partner pages) | Nil (KFS) |
| Annual / renewal | Lifetime free (partner pages) | ₹399 + GST unless ₹1.5L/year spend (or lifetime-free promo) |
| Reward currency | Cashback / Kiwis | POPcoins (POP app redemption) |
| Online earn | ~1.5% UPI scan & pay; ~0.5% online redirects | 10 POPcoins / ₹100 online (~10% headline — redemption value varies) |
| Offline earn | Lower UPI tiers | 2 POPcoins / ₹100 |
| UPI bonus | Base earn in Kiwi app | Extra on POP UPI in POP app |
| Lounge | Kiwi Neon milestones only | Not a core benefit |
| Forex | Bank-dependent MITC | ~3.40% per YES KFS |
| Full review | Kiwi review | POP-CLUB review |
When Kiwi wins
- You want cashback-style UPI earn without POPcoin redemption math.
- Your spend is kirana/small merchants — not POP partner brands.
- You prefer no renewal fee risk (POP charges ₹399 unless waived).
When POP-CLUB wins
- You already use POP Club for shopping and brand offers.
- Most spend is online (10 POPcoins/₹100 tier).
- You will clear ₹1.5 lakh/year for fee waiver and 1,500 POPcoins milestone.
FAQ
Is POP-CLUB “10% cashback”? Marketing often cites 10 POPcoins per ₹100 online — actual rupee value depends on POP Club redemption offers, not guaranteed 10% cash back.
Kiwi vs POP for UPI at any shop? Kiwi’s flat ~1.5% is easier to reason about. POP accelerated earn needs the POP app and qualifying merchants.
More comparisons
Kiwi vs Jupiter RuPay · Scapia vs Uni GoldX · Lifetime free hub
Sources
- YES Bank — POP-CLUB Credit Card
- GoKiwi partner pages and Kiwi Neon terms (linked from Kiwi review)
- Reserve Bank of India
Risk disclosure: POPcoins and Kiwis are loyalty currency, not cash. Pay in full to avoid interest. This content is informational only and is not financial advice. Disclaimer · Report an error