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Axis Bank Rewards 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: 15 October 2026.

Axis Bank Rewards Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureAxis Bank Rewards Credit CardAxis Bank Rewards Credit CardAxis Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.32% on most spends; 3.2% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping0.32%; 3.2% only at Department stores, misc general merchandise, family clothing and apparel/accessory outlets, identified by merchant category code1%
Dining and food delivery0.32%0.2%
Groceries0.32%0.2%
Travel: flights, hotels, trains0.32%0.2%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.32%0.2%
Everything else0.32%0.2%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining fee₹1,000 + GSTFree
Annual fee₹1,000 + GST₹399 + GST
First year freeNoYes
Fee waived at₹2,00,000₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min age18 years21 years
Max age70 years60 years
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits8-
International lounge visits0-
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
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 neededPAN 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)
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Worth in Rupees at ₹20,000 a Month

Axis Bank Rewards Credit Card
Rewards a year
₹768
Fee a year
₹0
You keep
₹768
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, YES BANK POP-CLUB Credit Card comes out ₹192 a year ahead of Axis Bank Rewards 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

Axis Bank Rewards Credit Card
  • Frequent clothing and department store shoppers
  • People wanting a welcome bonus
  • Occasional domestic flyers
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

Axis Bank Rewards Credit Card
  • Low reward rate outside the bonus category
  • Monthly cap on 10X points
  • Lounge visits need Rs 50,000 quarterly spend
YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Axis Bank Rewards 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 Rewards Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Axis Bank Rewards Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Rewards Credit Card has the lowest forex markup. Axis Bank Rewards 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 Rewards Credit Card 0.32%, 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

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