CUB SalarySe Level Up 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.
| Feature |  CUB SalarySe Level Up Credit CardCity Union Bank1 recent change → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% base, up to 1% on UPI payments | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay)same | 1% | 1% | |
| Online shopping | 0.2%; 1% only at SalarySe UPI payments, and online spends made with the Level Up card details, the accelerated rate does not apply to spends routed through any other UPI app | 1% | |
| Dining and food deliverysame | 0.2% | 0.2% | |
| Groceriessame | 0.2% | 0.2% | |
| Travel: flights, hotels, trainssame | 0.2% | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.2% | Earns nothing | |
| Rent | 0.2% | Earns nothing | |
| Insurance premiums | 0.2% | Earns nothing | |
| School and college fees | 0.2% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currencysame | 0.2% | 0.2% | |
| Everything elsesame | 0.2% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual fee | Free | ₹399 + GST | |
| Lifetime free | Yes | No | |
| First year free | No | Yes | |
| Fee waived at | - | ₹1,50,000 | |
| Welcome benefit | - | Earn 500 POPcoins on activating the POP CLUB Credit Card | |
| Eligibility | |||
| Min age | 18 years | 21 years | |
| Max age | - | 60 years | |
| Employment type | SALARIED | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel waiver cap | ₹300 | ₹100 | |
| Forex and international | |||
| Forex markup | 2% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| UPI note | 1% on SalarySe UPI and online card spends up to Rs 20,000 a month, 2% above it. | - | |
| Interest and charges | |||
| Interest rate (monthly) | 3.5% | 3.99% | |
| Interest rate (annual) | 42% | 47.88% | |
| Page content | |||
| Eligibility | - | Age: 21 to 60 years Min. income: ₹25,000/mo | |
| Documents needed | PAN card Aadhaar / valid address proof Salary proof, salary slips / salary-account statement | 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
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend the two come out level. 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
- SalarySe users
- Salaried people paying mostly by UPI
- First-time card users
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- Best rate only through SalarySe UPI or online
- Low earn on other UPI apps
- Lounge visit depends on monthly spend
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (CUB SalarySe Level Up 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, CUB SalarySe Level Up Credit Card or YES BANK POP-CLUB Credit Card?
CUB SalarySe Level Up Credit Card. CUB SalarySe Level Up Credit Card: no annual fee; YES BANK POP-CLUB Credit Card: ₹399. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
CUB SalarySe Level Up Credit Card has the lowest forex markup. CUB SalarySe Level Up Credit Card: 2%; 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: CUB SalarySe Level Up Credit Card 0.2%, 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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