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Reliance SBI Card PRIME 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.

Reliance SBI Card PRIME versus YES BANK POP-CLUB Credit Card compared
FeatureReliance SBI Card PRIMEReliance SBI Card PRIMEState Bank of India4 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.5% base, up to 1.25% on dining; 5% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping0.5%; 5% only at AJIO & JioMart1%
Dining and food delivery1.25%0.2%
Groceries0.5%; 2.5% only at Reliance Retail stores0.2%
Travel: flights, hotels, trains1.25%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.5%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.5%Earns nothing
School and college fees0.5%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.5%0.2%
Everything else0.5%0.2%
Card identity
Card typesameShoppingShopping
NetworkMastercardRuPay
Card tierPremiumEntry
Fees
Joining fee₹2,999 + GSTFree
Annual fee₹2,999 + GST₹399 + GST
First year freeNoYes
Fee waived at₹3,00,000₹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 typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits8-
International lounge visits4-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge condition8 domestic lounge visits a year (2 per quarter) plus complimentary Priority Pass membership with 4 international lounge visits a year (2 per quarter)-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
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 neededPAN card Aadhaar / valid address proof 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

Reliance SBI Card PRIME
Rewards a year
₹1,656
Fee a year
- ₹3,539
You keep
- ₹1,883
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 ₹2,843 a year ahead of Reliance SBI Card PRIME. 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

Reliance SBI Card PRIME
  • Online shopping only at AJIO & JioMart: 5% back
  • Groceries only at Reliance Retail stores: 2.5% back
  • Spending ₹25,000 or more a month: the ₹3,539 fee is waived
  • Flyers: 12 airport lounge visits a year
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

Reliance SBI Card PRIME
  • Skip it if you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
  • 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 pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on AJIO & JioMart: the 5% rate applies only there, everything else earns 0.5%
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 (Reliance SBI Card PRIME, 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, Reliance SBI Card PRIME or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Reliance SBI Card PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Reliance SBI Card PRIME has the lowest forex markup. Reliance SBI Card PRIME: 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: Reliance SBI Card PRIME 0.5%, 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.

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