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IndusInd Bank Pinnacle 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: 11 October 2026.

IndusInd Bank Pinnacle Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureIndusInd Bank Pinnacle Credit CardIndusInd Bank Pinnacle 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
Rewards0.75% base, up to 1.88% on online shopping0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping1.88%1%
Dining and food delivery0.75%0.2%
Groceries0.75%0.2%
Travel: flights, hotels, trains1.13%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.53%Earns nothing
Rent0.75%Earns nothing
Insurance premiums0.53%Earns nothing
School and college fees0.53%Earns nothing
Wallet top-ups0.75%Earns nothing
Taxes and government payments0.53%Earns nothing
Spend abroad or in a foreign currency0.75%0.2%
Everything else0.75%0.2%
Card identity
Card typesameShoppingShopping
NetworkMastercardRuPay
Card tierSuper premiumEntry
Fees
Joining fee₹15,000 + GSTFree
Annual feeFree₹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 typesameBOTHBOTH
Min monthly salary₹83,333₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits4-
International lounge visits4-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 150,000 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)3.83%3.99%
Interest rate (annual)45.96%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

IndusInd Bank Pinnacle Credit Card
Rewards a year
₹2,484
Fee a year
₹0
You keep
₹2,484
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, IndusInd Bank Pinnacle Credit Card comes out ₹1,524 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

IndusInd Bank Pinnacle Credit Card
  • Heavy online shoppers
  • Golfers
  • High earners with Rs 83,000+ monthly income
  • People who prefer a one-time fee
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

IndusInd Bank Pinnacle Credit Card
  • Rs 15,000 upfront cost
  • Domestic lounge visit needs Rs 1.5 lakh spend in the previous quarter
  • Reduced points on utilities, insurance, education and government payments, none on fuel
  • 3.5% forex markup
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 (IndusInd Bank Pinnacle 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, IndusInd Bank Pinnacle Credit Card or YES BANK POP-CLUB Credit Card?

IndusInd Bank Pinnacle Credit Card. IndusInd Bank Pinnacle 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?

IndusInd Bank Pinnacle Credit Card has the lowest forex markup. IndusInd Bank Pinnacle 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: IndusInd Bank Pinnacle 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.

Which is easier to get?

By stated minimum monthly income: YES BANK POP-CLUB Credit Card ₹25,000, IndusInd Bank Pinnacle Credit Card ₹83,333. 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

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