Share

HDFC MoneyBack+ 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: 16 October 2026.

HDFC MoneyBack+ Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureHDFC MoneyBack+ Credit CardHDFC MoneyBack+ Credit CardHDFC Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.2% on most spends; 2% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping0.2%; 2% only at Flipkart, Amazon, Swiggy, Reliance Smart, BigBasket1%
Dining and food deliverysame0.2%0.2%
Groceriessame0.2%0.2%
Travel: flights, hotels, trainssame0.2%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.2%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.2%Earns nothing
School and college fees0.2%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencysame0.2%0.2%
Everything elsesame0.2%0.2%
Card identity
Card typesameShoppingShopping
NetworkMastercardRuPay
Card tiersameEntryEntry
Fees
Joining fee₹500 + GSTFree
Annual fee₹500 + GST₹399 + GST
First year freeNoYes
Fee waived at₹50,000₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min agesame21 years21 years
Max agesame60 years60 years
Employment typesameBOTHBOTH
Min monthly salary₹20,000₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
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) 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

HDFC MoneyBack+ Credit Card
Rewards a year
₹480
Fee a year
₹0
You keep
₹480
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 ₹480 a year ahead of HDFC MoneyBack+ 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

HDFC MoneyBack+ Credit Card
  • Online grocery shoppers
  • Amazon and Flipkart users
  • Budget-conscious first card users
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

HDFC MoneyBack+ Credit Card
  • About 0.2% on other spends
  • CashPoints are worth only about 20 paise each
  • Accelerated points are capped monthly
  • No lounge access
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 (HDFC MoneyBack+ 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, HDFC MoneyBack+ Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; HDFC MoneyBack+ Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC MoneyBack+ Credit Card has the lowest forex markup. HDFC MoneyBack+ 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: HDFC MoneyBack+ 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.

Which is easier to get?

By stated minimum monthly income: HDFC MoneyBack+ Credit Card ₹20,000, YES BANK POP-CLUB Credit Card ₹25,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.

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