Synopsis: UPI payments are changing, so are the credit cards that are behind it. Zagg credit card vs. Kredit.Pe cards, it is not merely rewards it is value. This comparison can determine how much cashback you are leaving on the table should you be spending on UPI on a daily basis.
With UPI prevailing in online payments in India, credit cards are taking a new shape to provide rewards on daily usage. Free lifetime (LTF) RuPay credit cards are gaining traction among customers who want to enjoy the best cashback options without paying an annual fee.
The Kredit are two new possibilities in this area. The designs of the Pe SuperCard Pro and the Zagg Credit Card are to reward UPI spends. As cashback credit cards and benefits based on UPI are in high demand, the selection of the card may contribute a considerable difference to your savings. In this article, we will be comparing features, rewards, and overall value to make your choice on which LTF credit card is more optimal to use on UPI transactions in 2026.
Zagg Credit Card
The YES Bank Zagg Credit Card is a co-branded RuPay card, aimed at customers who would like to receive rewards on daily UPI transactions as well as basic lifestyle benefits. Kredit.Pe provides two main credit cards: one with high rewards and other with beginners to build credit. They are both keen on UPI cashback and hence they are competitive in the fintech credit card market.
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free Credit Card)
- Card Type: RuPay UPI Credit Card.
- UPI Compatibility: Supports UPI payments via Zagg and other UPI apps
- Rewards & Cashback
- Earn Zagg Coins on qualified purchases (up to 1.5%)
- 3% Zagg Coins on UPI are used on the Zagg platform.
- Rewards structure can be of different categories; there are exclusions.
- Lifestyle & Travel Benefits
- 2 free domestic lounge visits in a quarter.
- 100 lounge access: ₹50,000 spend in prior quarter.
- Partner offers on food, entertainment, and shopping platforms.
- Fuel Benefits
- 1% fuel surcharge waiver
- Applicable on transactions between ₹400 -5,000 (Capped at ₹250 per statement cycle)
- Fees & Charges
- Interest Rate: 3.99% per month (~47.88% annually)
- No renewal or annual maintenance fees.
To apply for the card, please visit the Official Website
Yes Bank ACE Credit Card (Kredit).Pe
A co-branded, unsecured card aimed at users wanting high cashback on UPI and digital purchases.
- Rewards & Cashback
- 3% unlimited cashback on UPI payments through Kredit.Pe app
- 5% cashback on UPI spends above ₹25,000/month
- Digital gold purchase 5% cashback
- ₹1,000 joining bonus on activation
- Up to 70% off on vouchers (Amazon Pay, Swiggy, Zomato, etc.)
- The possibility to redeem 10% cashback in digital gold
- Fees & Charges
- Joining Fee: ₹0 (LTF / offer-based)
- Annual Fee: ₹0 (Lifetime Free)
To apply for the card, please visit the Official Website
Also read: BOBCARD Eterna – Is This the Best Credit Card for Unlimited Airport Lounge Access?
Conclusion
Both cards support various classes of users in the expanding UPI credit environment in India. The Zagg Credit Card has balance and lifestyle features, such as access to lounges and partner offers, which makes it a good choice to use on a daily basis.
On the other hand, Kredit.Pe cards are obviously ahead of the pack when it comes to greater cashback and reward potential on UPI transactions, particularly among those users who value savings over benefits. Finally, when you are interested in the highest cashback, Kredit.Pe is the more preferable choice- however, in case you require extra traveling and lifestyle perks, Zagg stands its own.
Written by Boyapati Sai Jasmitha
