YES Bank POP-CLUB Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank POP-CLUB Credit Card is a entry co-branded credit card from YES Bank and POP, with a joining fee of ₹0 + GST.
It earns up to 10 pts per ₹100 (≈1.0% value) on POP spends in the form of popcoins (points).
YES Bank POP-CLUB Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypePOPcoins (points)
Rewards Rate
- 10 pts per ₹100 on ecommerce online
- Base 0.20% on other spends
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
10 pts per ₹100 on ecommerce online
Base 0.20% on other spends.
Reward Redemption
POPcoins: Redeem at ₹0.1 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹1,50,000 / annual: Extra 1,500 POPcoins on ₹1,50,000 annual spend
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹150/mo
You spend ₹15,000 · earns 1.0% = ₹150 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 0.2% = ₹16/mo
- Dining & food delivery₹8,000 · 0.2% = ₹16/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹20/mo
- Utilities & bills₹5,000 · 0.2% = ₹10/mo
Est.net rewards for this spend, realistic
₹2,544/yr₹2,544 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- Co-branded entry card by YES Bank and POP.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 10 pts per ₹100 on ecommerce online10 POPcoins per ₹100 on e-commerce/online; 2 per ₹100 on other spends incl. UPI.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹1,50,000 / annual: Extra 1,500 POPcoins on ₹1,50,000 annual spend (≈ ₹150 value)
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.