RuPay credit cards are increasingly getting popular with every lender trying to capitalise the maximum market share of consumers who are looking to obtain a RuPay credit card for the daily ease of transactions. You can earn rewards and enjoy a slew of benefits by using RuPay credit cards such as Kiwi credit card and Yes Bank Pop Club credit card.

Kiwi credit card and Yes Bank Pop Club credit card can be seamlessly used for scan & pay QR transactions, online transactions and other point-of-sale (PoS) transactions. With plenty of RuPay credit cards available in the market, consumers should analyse their spend patterns before obtaining a credit card that can maximise the benefits in terms of rewards, cashback, discounts and other additional perks.

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Kiwi Credit Card

Kiwi credit card is a lifetime free virtual credit card in partnership with private sector lender Yes Bank.
Customers can check the eligibility of KIWI credit card while applying online following which the approval can take up to 3 days.
With Kiwi credit cards, you can pay a friend, transfer to a bank and use it for ‘scan & pay’ QR transactions at local vendors or traditional stores.
Kiwi credit card is one of the few credit cards that offer complimentary visits to domestic airport lounges on crossing a prerequisite spend threshold.

Yes Bank Pop Club Credit Card

Yes Bank Pop Club credit card comes bundled with a bunch of welcome benefits, it can be availed for free under the limited-period lifetime free offer.
Pop Club has partnered with hundreds of D2C brands through which customers can get discounts of up to 30%.
A Yes Bank Pop Club credit card member can apply for a maximum of 3 add-on cards without paying any additional fee.
The card is being offered as a lifetime free credit card for a limited period. Card members can qualify for annual fee waiver by spending Rs 1.5 lakh in a year.

Comparison: KIWI vs POP Club

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Credit Cards		Kiwi RuPay Credit Card	Yes Bank Pop-Club Credit Card
COMPARISON FACTOR	Annual/Renewal Fee	NIL. However, Kiwi Neon membership is only available for Rs 999.	Rs 399 (Waived off till 31 March 2025)
	APR	3.6% per month or 52.86% p.a.	3.99% per month or 47.88% p.a.
	Cash Advance Fee	NIL	2.5% of withdrawal amount up to Rs 500, whichever is higher
	Reward Type	Kiwis	POPcoins
	Welcome Benefits	Earn 2,000 Kiwis on successful credit card application	Blinkit: 5 free deliveries Zomato Gold: 3-Month membership Cleartrip: Rs 750 flight voucher Cult Sport: Rs 500 voucher Extra 500 POPcoins on card activation
	Reward Rate	Earn 1 Kiwi on every Rs 50 spent. Earn 0.5% on online transactions and 2% on scan & pay QR transactions.	10 POPcoins for every Rs 100 spent online and 2 POPcoins for every Rs 100 spent at offline merchants
	Reward Point Value	4 Kiwis = Re 1	4 POPcoins = Re 1
	Reward Redemption Fee	NIL. Redemption available on accumulation of 500 Kiwis, in multiple of 500 thereafter.	Rs 100
	Milestone Benefits	Earn 3% cashback on yearly spend Rs 50,000. Cashback increases to 4% and 5% on spending Rs 1 lakh and Rs 1.5 lakh, respectively. Every subsequent spend of Rs 50,000 gets you an additional access to domestic airport lounges. A total of 3 lounge visits can be earned on spending Rs 1.5 lakh in a year.	Earn additional 1,500 POPcoins on spending Rs 1.5 lakh in a year
	Additional Benefits	NIL	Rs 450 discount on flight ticket bookings
	Late Payment Fee	NIL for amounts up to Rs 500 Rs 500 for outstanding from Rs 501 to Rs 5,000 Rs 750 for balances from Rs 5,001 to Rs 10,000 Rs 1,200 for amounts above Rs 10,000	NIL for amounts below Rs 100 Rs 150 for outstanding between Rs 101 & Rs 500 Rs 500 for balances from Rs 501 to Rs 5,000 Rs 750 for amounts between Rs 5,001 & Rs 25,000 Rs 1,100 for outstanding from Rs 25,001 to Rs 50,000 Rs 1,200 for amounts above Rs 50,000
	Fuel Surcharge Waiver	NA	1% up to Rs 300 per month

Conclusion:

Both Kiwi and Yes Bank Pop Club credit cards are beneficial for users, you just have to examine which card can be more advantageous according to your lifestyle. You should get a RuPay credit card by analysing your spending habits and the benefits associated with a credit card.

A RuPay credit card can be extremely useful for users who mostly transact through QR codes and are looking for an alternative for scan & pay transactions that can fetch some additional rewards. Though you should remain careful with your spendings as developing a habit of paying through credit card can lead to splurging which can ultimately damage your personal finances.

KIWI Credit Card vs. Yes Bank Pop Club Credit Card: What’s the Difference

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