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PNB Zaggle 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: 27 October 2026.

PNB Zaggle Credit Card versus YES BANK POP-CLUB Credit Card compared
FeaturePNB Zaggle Credit CardPNB Zaggle Credit CardPunjab National Bank
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
RewardsRewards not published0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shoppingNot stated1%
Dining and food deliveryNot stated0.2%
GroceriesNot stated0.2%
Travel: flights, hotels, trainsNot stated0.2%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyNot stated0.2%
Everything elseNot stated0.2%
Card identity
Card typesameShoppingShopping
Network-RuPay
Card tier-Entry
Fees
Joining feeRs 499Free
Annual feeRs 499₹399 + GST
First year freeNoYes
Fee waived atsame₹1,50,000₹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 type-Reward points
Point value-₹0
Fuel surcharge
Fuel waiver cap-₹100
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPI-Yes
Interest and charges
Interest rate (monthly)-3.99%
Interest rate (annual)-47.88%
Page content
Eligibility-Age: 21 to 60 years Min. income: ₹25,000/mo
Documents needed-PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Best For

PNB Zaggle Credit Card
  • People wanting UPI and wide acceptance together
  • First-time card users
  • Existing PNB customers
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

PNB Zaggle Credit Card
  • Reward details are not clearly stated
  • No listed lounge benefits
  • 3.5% forex fee
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, PNB Zaggle Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; PNB Zaggle Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

PNB Zaggle Credit Card has the lowest forex markup. PNB Zaggle Credit Card: 3.5%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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