Axis Bank Cashback vs YES BANK POP-CLUB Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 24 October 2026.
| Feature |  Axis Bank Cashback Credit CardAxis Bank5 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.75% base, up to 5% on online shopping | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 5% | 1% | |
| Dining and food delivery | 0.75% | 0.2% | |
| Groceries | 0.75% | 0.2% | |
| Travel: flights, hotels, trains | 0.75% | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.5% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.75% | 0.2% | |
| Everything else | 0.75% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Visa | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹1,000 + GST | Free | |
| Annual fee | ₹1,000 + GST | ₹399 + GST | |
| First year free | No | Yes | |
| Fee waived at | ₹4,00,000 | ₹1,50,000 | |
| Welcome benefit | - | Earn 500 POPcoins on activating the POP CLUB Credit Card | |
| Eligibility | |||
| Min age | 18 years | 21 years | |
| Max age | 70 years | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.99% | |
| Interest rate (annual) | 45% | 47.88% | |
| Page content | |||
| Eligibility | - | Age: 21 to 60 years Min. income: ₹25,000/mo | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹4,356
- Fee a year
- - ₹1,180
- You keep
- ₹3,176
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, Axis Bank Cashback Credit Card comes out ₹2,216 a year ahead of YES BANK POP-CLUB Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Regular online shoppers
- People who prefer cashback over points
- Moderate monthly spenders
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- Only 0.75% on offline spends
- 5% rate has a monthly cap
- No lounge access
- 3.5% forex markup
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Axis Bank Cashback Credit Card, YES BANK POP-CLUB Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Axis Bank Cashback Credit Card or YES BANK POP-CLUB Credit Card?
YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Axis Bank Cashback Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Axis Bank Cashback Credit Card has the lowest forex markup. Axis Bank Cashback Credit Card: 3.5%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Axis Bank Cashback Credit Card 0.75%, YES BANK POP-CLUB Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
Other Comparisons
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- YES BANK POP-CLUB Credit Card vs HSBC Live Plus Credit CardSide by side →
- YES BANK POP-CLUB Credit Card vs SBI Cashback Credit CardSide by side →
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Guides in Plain Words
Short reads that explain how it works before you decide.
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