UPI has become India’s default payment method for everyday transactions. From street vendors to fuel stations, QR-based payments handle everything from ₹20 chai to ₹5,000 grocery runs. In 2026, the question is no longer whether to use UPI; it is whether your UPI payments should earn you something back.
Credit cards can now be used on UPI, but only through the RuPay network. YES Bank issues several RuPay credit card variants, each with different cashback rates, reward structures, and fee models for UPI spending.
This guide compares every YES Bank credit card that works on UPI and recommends the best one based on how you actually spend. For the complete list of all YES Bank cards (including Visa and Mastercard variants), see our full YES Bank credit card guide [/blog/yes-bank-credit-cards/].
Which YES Bank Credit Cards Work on UPI?
Only RuPay credit cards can be linked to UPI. Visa and Mastercard credit cards issued by YES Bank, no matter how premium, cannot be used for UPI Scan & Pay. This is a network-level restriction set by NPCI, not a bank limitation.
YES Bank currently offers the following RuPay credit card variants that support UPI:
– Klick (via Kiwi) – standalone RuPay card, lifetime free
– POP Club – co-branded with POP Club, RuPay network
– PaisaSave RuPay – companion virtual card to the Mastercard variant
– Uni RuPay – companion virtual card to the Uni card
– FinBooster RuPay – companion virtual card to the BankBazaar co-brand
– Zagg RuPay – companion virtual card to the Zaggle card
– YES Bank RuPay (generic) – virtual companion issued to existing Visa/Mastercard holders
Some of these are standalone cards you can apply for directly, while others are virtual companion cards issued alongside a physical Visa or Mastercard. The companion cards share the credit limit with the primary card.
For an in-depth look at how the RuPay variant works for everyday spending, read our YES Bank RuPay credit card benefits guide [/blog/yes-bank-rupay-credit-card-benefits-explained-for-everyday-spending/].
Comparison Table – YES Bank Cards for UPI Cashback
| Card | Joining Fee | Annual Fee | UPI Cashback/Reward | Online Spending | Lounge Access | Best For |
| Kiwi Yes Bank Klick Credit Card | ₹0 | ₹0 (lifetime free) | 1.5% cashback (2% with Neon) | 0.5% cashback | 3/year with Neon | Daily UPI scan & pay |
| POP Club | ₹0 | ₹399+GST (waivable) | 7 POPcoins/₹100 via POP app | 10 POPcoins/₹100 | None | Online shopping + UPI |
| PaisaSave RuPay | ₹0 (companion) | ₹0 (companion) | 1% on UPI above ₹2,000 | 1% base rate | None | Dining/travel spenders |
| Uni RuPay | ₹0 (companion) | Waivable | 1% Uni Coins | 1% Uni Coins | None | Zero forex users |
| FinBooster RuPay | ₹0 (companion) | ₹0 | Accelerated points on UPI | 5x dining, 3x grocery | None | E-commerce/food spenders |
| Generic RuPay | ₹0 (companion) | ₹0 | 4 RP/₹200 on UPI above ₹2,000 | 2 RP/₹200 | None | Existing YES Bank cardholders |
1. Kiwi YES Bank Klick Card (Best for Daily UPI Spending)
The Klick card issued through Kiwi is the strongest option for users whose primary payment method is UPI Scan & Pay.
What makes it stand out for UPI:
The card offers 1.5% flat cashback on every UPI Scan & Pay transaction. With the Neon membership (₹999/year + GST), this increases to 2% on UPI. At the 5% tier (available on spending above ₹1.5 lakh), the return is even higher.
Unlike reward-point-based cards, the cashback is credited directly to your bank account. There is no redemption portal, no minimum redemption threshold, and no point expiry to worry about. You spend, you earn, and the money appears in your account.
The card is entirely lifetime free, ₹0 joining fee, ₹0 annual fee, and no spending condition to maintain the waiver. This means even if you use the card lightly in some months, there is no fee eating into your cashback earnings.
For users who make 10-20 UPI transactions daily at small merchants, this card converts spending that would otherwise earn nothing into consistent cashback.
Lounge access: With the Neon membership, you also get up to 3 complimentary airport lounge visits per year. This is a rare benefit for a lifetime-free card.
Limitation: The cashback rate on online (non-UPI) spending is 0.5%, which is lower than what cards like POP Club offer for e-commerce.
2. POP Club Card (Best for Online Shopping + UPI)
The POP Club card earns 10 POPcoins per ₹100 on online shopping, the highest online reward rate among YES Bank’s entry-level cards. On UPI transactions via the POP UPI app, you earn an additional 5 POPcoins per ₹100.
This makes it the better choice if your spending is split between online shopping and UPI, with a heavier tilt toward e-commerce.
The trade-off is that POPcoins must be redeemed through the POP Club app rather than received as direct bank cashback. If the brands on the platform align with your spending habits, the value is strong. If not, the rewards feel less tangible.
The annual fee of ₹399 + GST is waived at an annual spend of ₹ 1.5 lakh. There is no airport lounge access. For a full breakdown of features, pros, and cons, see our detailed POP Club credit card review [/blog/yes-bank-pop-club-credit-card/].
3. PaisaSave RuPay (Best for Dining and Travel Spenders)
The PaisaSave RuPay card is a virtual companion to the PaisaSave Mastercard. On UPI transactions above ₹2,000, it earns 1% cashback (2 reward points per ₹200).
This is lower than both the Klick and POP Club cards for UPI spending. Where the PaisaSave card excels is on the Mastercard variant’s 6% cashback on dining and travel categories, the highest unrestricted category cashback among YES Bank cards.
If your UPI usage is moderate but you spend heavily on dining and travel, the PaisaSave combination (Mastercard for dining/travel + RuPay companion for UPI) provides good overall coverage. Note that UPI spends on dining and travel categories do not qualify for the 6% accelerated rate, that applies only to the Mastercard variant.
4. Other Options (ACE, Uni, FinBooster)
Uni RuPay: Earns 1% Uni Coins on all spending, including UPI. Its standout feature is zero forex markup, making it the best YES Bank option for international transactions. For UPI-only use, other cards offer better return rates.
FinBooster RuPay: A companion to the BankBazaar co-branded card. Offers accelerated reward points on dining (5x) and grocery/apparel (3x). Useful if your UPI spending falls heavily in these categories, though the base rate on general UPI transactions is lower than the Klick card.
Generic YES Bank RuPay: Available to existing YES Bank Visa and Mastercard holders. Earns 4 reward points per ₹200 on UPI transactions above ₹2,000 and 2 reward points on other online spends. This is a reasonable add-on if you already hold a YES Bank card and want to extend rewards to UPI, but the per-transaction threshold (₹2,000 minimum for UPI rewards) limits its usefulness for small daily payments.
Monthly Cashback Calculation- How Much Can You Actually Save?
Numbers speak louder than marketing. Here is what different cards earn on a realistic monthly UPI spend of ₹9,000 (roughly ₹300 per day).
| Card | Monthly UPI Cashback | Annual UPI Cashback | Annual Fee | Net Annual Benefit |
| Klick (free tier) | ₹135 (1.5%) | ₹1,620 | ₹0 | **₹1,620** |
| Klick (Neon) | ₹180 (2%) | ₹2,160 | ₹999 + GST (~₹1,179) | **₹981** |
| POP Club (via POP app) | ~₹630 in POPcoins* | ~₹7,560 in POPcoins* | ₹399+GST (~₹471) | **~₹7,089 in POPcoins*** |
| PaisaSave RuPay | ₹0–₹90** | ₹0–₹1,080** | ₹0 | **₹0–₹1,080** |
| Generic RuPay | ~₹0–₹90** | ~₹0–₹1,080** | ₹0 | **₹0–₹1,080** |
*POPcoin value depends on redemption- ₹1/coin at best. Also requires using POP UPI app for the bonus rate.
**PaisaSave and Generic RuPay only earn rewards on UPI transactions above ₹2,000, so small daily payments (₹50–₹300) earn nothing.
The key insight: For small, frequent UPI transactions (which is how most Indians use UPI), the Klick card’s flat 1.5% cashback with no minimum threshold delivers the most consistent value. Cards with ₹2,000 minimum thresholds miss the majority of everyday UPI payments entirely.
How to Link Your YES Bank RuPay Card to UPI
Once you have chosen your card, linking it to UPI takes a few minutes.
Open any UPI app (Google Pay, PhonePe, Paytm, BHIM, or Kiwi). Look for the option to add a credit card or link a new payment method. Select YES Bank from the list of banks. Choose your YES Bank RuPay credit card from the accounts available. Set your UPI PIN (existing iris/YES Mobile banking users will use the same MPIN).
After linking, the card appears as a payment option whenever you scan a QR code. The payment experience is identical to paying from a savings account; the only difference is that the money comes from your credit limit instead of your bank balance.
For a detailed walkthrough with troubleshooting tips for each UPI app, see our step-by-step guide to linking your YES Bank credit card to UPI [/blog/how-to-link-yes-bank-credit-card-to-upi/].
Our Verdict- Which Card Should You Pick?
The right card depends on where you spend most of your money.
If your spending is mostly UPI Scan & Pay at offline merchants (groceries, fuel, chai, local shops, restaurants)- the Kiwi Klick card is the clear winner. Flat 1.5% cashback on every UPI transaction with no minimum amount, no reward redemption hassle, and zero fees. This is the card that earns on ₹50 tea payments as well as ₹3,000 grocery bills.
If your spending is mostly online shopping with some UPI, the POP Club card offers the highest online reward rate (10 POPcoins per ₹100) and decent UPI earnings through the POP app. The trade-off is rewards locked in the POP ecosystem.
If you mainly spend on dining and travel, the PaisaSave combination (Mastercard for 6% dining/travel + RuPay companion for UPI) covers both categories, though UPI cashback is modest.
If you already have a YES Bank Visa/Mastercard and just want UPI capability, ask your bank for the free RuPay companion card. It shares your existing limit and adds UPI functionality at no extra cost.
Frequently Asked Questions
The Kiwi Klick card offers 1.5% flat cashback on all UPI Scan & Pay transactions (2% with Neon membership), with no minimum transaction amount. This makes it the highest-earning card for everyday UPI spending.
No. UPI transactions made with a credit card do not attract additional charges. Standard credit card interest applies only if you do not pay your bill in full by the due date.
1.5% on UPI Scan & Pay and 0.5% on online payments under the free tier. With the Neon membership (₹999/year), the UPI rate increases to 2%, and online payments earn 0.5% as well. Cashback above ₹1.5 lakh annual spend is 5% with Neon.
No. Cards like POP Club and the generic RuPay earn reward points that must be redeemed through a portal. The Klick card via Kiwi earns direct cashback that is deposited into your bank account, no redemption required.
Yes, you can link multiple RuPay cards to the same UPI app. When making a payment, you select which card to pay from.
On the Klick card via Kiwi, yes, there is no minimum transaction amount for earning cashback. On cards like PaisaSave RuPay and the generic companion card, UPI rewards only apply on transactions above ₹2,000, so small payments earn nothing.
Ready to earn 1.5% cashback on every UPI payment? Apply for the lifetime-free Kiwi YES Bank Klick card – Apply for Yes Bank Credit Card
