Share

CRED IndusInd Bank RuPay 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: 28 September 2026.

CRED IndusInd Bank RuPay Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureCRED IndusInd Bank RuPay Credit CardCRED IndusInd Bank RuPay Credit CardIndusInd Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping0.2% base, up to 1% on online shopping
UPI payments (scan and pay)same1%1%
Online shopping5%1%
Dining and food delivery1%0.2%
Groceries1%0.2%
Travel: flights, hotels, trains1%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges1%; 1% only at CRED appEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiums1%; 1% only at CRED appEarns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.2%
Everything else1%0.2%
Card identity
Card typesameShoppingShopping
NetworksameRuPayRuPay
Card tierMidEntry
Fees
Joining feesameFreeFree
Annual fee₹499 + GST₹399 + GST
First year freeNoYes
Fee waived at-₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min age-21 years
Max age-60 years
Employment type-BOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)3.95%3.99%
Interest rate (annual)47.4%47.88%
Redemption
Redemption fee₹100-
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) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

CRED IndusInd Bank RuPay Credit Card
Rewards a year
₹4,800
Fee a year
- ₹589
You keep
₹4,211
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, CRED IndusInd Bank RuPay Credit Card comes out ₹3,251 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

CRED IndusInd Bank RuPay Credit Card
  • Online shopping: 5% back, up to ₹5,000 a month
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

CRED IndusInd Bank RuPay Credit Card
  • Skip it if you spend less than ₹5,000 a month: below that the ₹589 fee costs more than the rewards
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you rarely spend on online shopping: the 5% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign 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 (CRED IndusInd Bank RuPay 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, CRED IndusInd Bank RuPay Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; CRED IndusInd Bank RuPay Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

CRED IndusInd Bank RuPay Credit Card has the lowest forex markup. CRED IndusInd Bank RuPay 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: CRED IndusInd Bank RuPay Credit Card 1%, 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

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

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