Share

Is the YES BANK POP-CLUB Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

  • 207Cards to check
  • FreeCost
YES BANK POP-CLUB Credit Card
YES BANK POP-CLUB Credit CardView card →
  • Shopping card
  • Needs ₹25,000 a month income
  • ₹471 fee a year (with GST)
  • Fee waived from ₹12,500 a month
  • 0.2% base, up to 1% on online shopping
  • Pays in reward points
Good for
  • UPI payments: 1% back
  • online shopping: 1% back, up to ₹600 a month
  • spending ₹12,500 or more a month: the ₹471 fee is waived
Skip it if
  • you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹471 fee is then charged
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you rarely spend on UPI payments or online shopping: the 1% rate applies only there, everything else earns 0.2%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 2 POPcoins per ₹100 on offline spends, and 2% in POPcoins on POP UPI payments, about 0.2% at our valuation of about ₹0.10 a POPcoin

Also earns nothing on: Marketing or advertising merchants and poi funding transactions earn no POPcoins.

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelRentWallet loadsGovernmentUtility billsInsuranceEMICash withdrawalsEducationMarketing or advertising merchants and poi funding transactions earn no POPcoins

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)1%No capAll merchants in the category-
Online shopping1%₹600All merchants in the categoryTerms: 10 POPcoins per ₹100 online, capped at 6,000 POPcoins a month (500 per transaction). POP markets a POPcoin as ₹1, but its terms bar converting POPcoins to cash and give no rate for bills or recharges; we value one at about ₹0.10, so this is about 1%. Coins expire 365 days after they are credited-
Dining and food delivery0.2%No capThe card's normal rate-
Groceries0.2%No capThe card's normal rate-
Travel: flights, hotels, trains0.2%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and rechargesEarns nothing-earns nothing on this card-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college feesEarns nothing-earns nothing on this card-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.2%No capThe card's normal rate-
Everything else0.2%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works