Samsung Axis Bank Infinite 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: 24 October 2026.
| Feature |  Samsung Axis Bank Infinite Credit CardAxis Bank5 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 3% on foreign spends; 10% only at partner merchants | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 1%; 10% only at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres; 3% only at BigBasket, Tata 1mg, Urban Company, Myntra, Zomato | 1% | |
| Dining and food delivery | 1% | 0.2% | |
| Groceries | 1% | 0.2% | |
| Travel: flights, hotels, trains | 1% | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | 1% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 3% | 0.2% | |
| Everything else | 1% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Visa | RuPay | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹5,000 + GST | Free | |
| Annual fee | ₹5,000 + GST | ₹399 + GST | |
| First year free | No | Yes | |
| Fee waived at | ₹7,00,000 | ₹1,50,000 | |
| Welcome benefit | - | Earn 500 POPcoins on activating the POP CLUB Credit Card | |
| Eligibility | |||
| Min age | 18 years | 21 years | |
| Max age | 70 years | 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 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 6 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| 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 needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement 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
- ₹3,600
- Fee a year
- - ₹5,900
- You keep
- - ₹2,300
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, YES BANK POP-CLUB Credit Card comes out ₹3,260 a year ahead of Samsung Axis Bank Infinite 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 Samsung stores, Samsung eStore/Shop app, Samsung Service Centres: 10% back, up to ₹5,000 a month
- Online shopping only at BigBasket, Tata 1mg, Urban Company, Myntra, Zomato: 3% back
- Spending ₹58,333 or more a month: the ₹5,900 fee is waived
- Flyers: 14 airport lounge visits a year
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- Skip it if you spend less than ₹58,333 a month (₹7,00,000 a year, rent and wallet loads not counted): the ₹5,900 fee is then charged
- Skip it if most of your spending is fuel, rent, insurance or wallet top-ups: 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 Samsung stores, Samsung eStore/Shop app, Samsung Service Centres: the 10% rate applies only there, everything else earns 1%
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Samsung Axis Bank Infinite 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, Samsung Axis Bank Infinite Credit Card or YES BANK POP-CLUB Credit Card?
YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Samsung Axis Bank Infinite Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Samsung Axis Bank Infinite Credit Card has the lowest forex markup. Samsung Axis Bank Infinite 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: Samsung Axis Bank Infinite Credit Card 1%, 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 →
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