UPI has become India’s most used payment method. From tea stalls to fuel pumps, QR-based payments are everywhere. In 2026, users want more than convenience. They want rewards on daily UPI spending.
This demand has brought credit cards into the UPI ecosystem. Among issuers, YES Bank stands out for offering RuPay credit cards that support UPI Scan & Pay.
Why RuPay Is Essential for Credit Cards for UPI
UPI credit card payments work only on RuPay. Visa and Mastercard credit cards are not supported on UPI.
YES Bank issues RuPay credit cards. This makes them compatible with UPI apps and QR payments.
Once linked, users can:
- Scan any UPI QR code
- Pay using credit instead of a savings account
- Continue using the same merchant infrastructure
For merchants, nothing changes. For users, credit becomes part of everyday UPI payments.
What Makes a YES Bank Credit Card Suitable for UPI?
UPI spending is different from traditional card spending.
– Transactions are small.
– They are frequent.
– They are mostly offline.
A good UPI credit card needs:
- Low or zero fees
- Simple cashback
- Wide acceptance
YES Bank’s RuPay credit card issued through Kiwi aligns well with this usage pattern.
Key Features That Matter in Daily Use
The YES Bank RuPay credit card available via Kiwi focuses on utility.
Verified features include:
- ₹0 joining fee
- ₹0 annual fee
- 1.5% cashback on UPI Scan & Pay transactions
- 0.5% cashback on online payments
- 1% fuel surcharge waiver on eligible fuel spends
There are no complex reward slabs. There are no milestone conditions. This makes the card predictable and easy to use.
Why Cashback Works Better Than Reward Points on UPI
Most reward cards are built for large-ticket purchases. UPI transactions are usually ₹50, ₹100, or ₹300. Reward points on such spends often feel negligible.Redemption can also be complicated.
Direct cashback into bank account solves this problem.
With cashback:
- Value is clear
- Tracking is easy
- Rewards feel immediate
This is why cashback-based YES Bank RuPay cards work better for UPI-heavy users.
Everyday Acceptance and Practicality
UPI credit card payments work at:
- Local kirana stores
- Fuel stations
- Restaurants and cafés
- Service outlets
Acceptance depends on UPI QR availability, not on the merchant’s card machine. This gives RuPay credit cards an edge over traditional POS-only cards.
Is This the Best YES Bank Credit Card for UPI in 2025?
For UPI-focused users, the answer is largely yes.
This card is not designed for:
- Airport lounge access
- Travel rewards
- Luxury benefits
It is designed for:
- Daily payments
- Small-ticket transactions
- Consistent cashback
For most users, that trade-off makes sense.
Final Verdict
In 2026, UPI is no longer just a bank account tool. It is also a credit card channel.
YES Bank’s RuPay credit card fits well into this shift. Its zero-fee structure and cashback-focused rewards make it suitable for everyday spending.
When accessed through a UPI-first platform like Kiwi, the card becomes more usable for real-world payments rather than occasional card swipes.
For users who rely heavily on UPI and want credit flexibility without complexity, this is one of the most practical YES Bank credit card options available today.
FAQs
1. Can a YES Bank credit card be used on UPI?
Yes. Only RuPay credit cards can be linked to UPI, and YES Bank issues RuPay-enabled credit cards that support UPI Scan & Pay.
2. Are there any charges for using a credit card on UPI?
UPI transactions themselves do not have extra charges. Standard credit card interest applies only if the bill is not paid on time.
3. Does the YES Bank credit card via Kiwi have an annual fee?
No. The card discussed here has a ₹0 joining fee and a ₹0 annual fee, with no spending condition.
4. Is cashback available on UPI payments?
Yes. Users earn 1.5% cashback on UPI Scan & Pay transactions and 0.5% cashback on online payments, as per current terms.
5. Where can UPI credit card payments be used?
UPI credit card payments work at any merchant that accepts UPI QR payments, including small offline stores and fuel stations.
