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Kiwi Credit Cards vs YES BANK POP-CLUB Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Kiwi Credit Cards versus YES BANK POP-CLUB Credit Card compared
FeatureKiwi Credit CardsKiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards1% base, up to 1.5% on UPI payments0.2% base, up to 1% on online shopping
UPI payments (scan and pay)1.5%1%
Online shoppingsame1%1%
Dining and food delivery1%0.2%
Groceries1%0.2%
Travel: flights, hotels, trains1%0.2%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.2%
Everything else1%0.2%
Card identity
Card typeCashbackShopping
NetworksameRuPayRuPay
Card tiersameEntryEntry
Fees
Joining feesameFreeFree
Annual feeFree₹399 + GST
Lifetime freeYesNo
First year freesameYesYes
Fee waived at-₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min age22 years21 years
Max age55 years60 years
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Min credit score720-
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel waiver cap₹250₹100
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)same3.99%3.99%
Interest rate (annual)same47.88%47.88%
Redemption
Redemption methodBank transfer-
Redemption fee₹0-
Page content
EligibilityAge: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employedAge: 21 to 60 years Min. income: ₹25,000/mo
Documents neededsamePAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Kiwi Credit Cards
Rewards a year
₹2,700
Fee a year
₹0
You keep
₹2,700
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, Kiwi Credit Cards comes out ₹1,740 a year ahead of YES BANK POP-CLUB Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Kiwi Credit Cards
  • First-time credit card users
  • People who pay mostly by UPI QR codes
  • Anyone wanting a free card to build a credit score
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

Kiwi Credit Cards
  • Headline 5% needs the paid Neon plan and big spends
  • Only about 0.5% on non-UPI online spends
  • Kiwis redeem only in blocks of 500 (Rs 125)
  • 3.5% forex fee makes it poor abroad
YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Kiwi Credit Cards, YES BANK POP-CLUB Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Kiwi Credit Cards or YES BANK POP-CLUB Credit Card?

Kiwi Credit Cards. Kiwi Credit Cards: no annual fee; YES BANK POP-CLUB Credit Card: ₹399. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Kiwi Credit Cards has the lowest forex markup. Kiwi Credit Cards: 3.5%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Kiwi Credit Cards 1%, YES BANK POP-CLUB Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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