Reliance SBI Card 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.
| Feature |  Reliance SBI CardState Bank of India2 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on dining; 2.5% only at partner merchants | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 0.25%; 2.5% only at AJIO & JioMart | 1% | |
| Dining and food delivery | 1.25% | 0.2% | |
| Groceries | 0.25%; 1.25% only at Reliance Retail stores | 0.2% | |
| Travel: flights, hotels, trains | 0.25% | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.25% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | Earns nothing | |
| School and college fees | 0.25% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 0.2% | |
| Everything else | 0.25% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Mastercard | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | Free | |
| Annual fee | ₹499 + GST | ₹399 + GST | |
| First year free | No | Yes | |
| Fee waived at | ₹1,00,000 | ₹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 typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | 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) Recent passport-size photograph | 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
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, Reliance SBI Card comes out ₹252 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
- Online shopping only at AJIO & JioMart: 2.5% back
- Dining: 1.25% back, up to ₹1,250 a month
- Spending ₹8,333 or more a month: the ₹589 fee is waived
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- Skip it if you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 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 2.5% rate applies only there, everything else earns 0.25%
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Reliance SBI 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, Reliance SBI Card or YES BANK POP-CLUB Credit Card?
YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Reliance SBI Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Reliance SBI Card has the lowest forex markup. Reliance SBI 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: Reliance SBI Card 0.25%, 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.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
