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SimplifyCards take: For the best UPI card offering rewards, the YES Bank Kiwi Credit Card stands out, providing excellent value with no annual fee. If you're looking for alternatives, consider the AU ixigo Credit Card, which also comes with no annual fee and strong benefits, or the YES BANK POP-CLUB Credit Card, another great option for UPI rewards with an effective annual fee of zero.
Lifetime free card, Optimized for upi and lifetime free.
Lifetime free card, Optimized for travel and rail, featuring low 0% forex markup and complimentary lounge access.
Optimized for upi and gen z.
| Feature | YES Bank Kiwi Credit Card | AU ixigo Credit Card | YES BANK POP-CLUB Credit Card |
|---|---|---|---|
| Best for | upi, lifetime free, cashback |
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
| travel, rail, forex |
| upi, gen z, shopping |
| Reward rates | 1.5% - Base reward rate | 0.1% - Base reward rate upto 0.6% - accelerated reward rate | 2% - Base reward rate upto 10% - accelerated reward rate |
| Annual fee | Rs 0 | Rs 0 | Rs 399 |
| Fee waiver spend | - | - | Rs 1.5 lakhs |
| Domestic lounge | 0 | 8 | 0 |
| International lounge | 0 | 1 | 0 |
| Forex markup | 3.5% | 0% | 3.4% |