SBI Cashback 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: 28 September 2026.
| Feature |  SBI Cashback Credit CardState Bank of India5 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 5% on online shopping | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 5% | 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 rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | 0.2% | |
| Everything else | 1% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Visa | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹999 + GST | Free | |
| Annual fee | ₹999 + GST | ₹399 + GST | |
| First year free | No | Yes | |
| Fee waived at | ₹2,00,000 | ₹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 | |
| Min credit score | 650 | - | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver capsame | ₹100 | ₹100 | |
| 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 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | Age: 21 to 60 years Min. income: ₹25,000/mo | |
| Documents needed | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | 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
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, SBI Cashback Credit Card comes out ₹3,840 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
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
- 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, SBI Cashback Credit Card or YES BANK POP-CLUB Credit Card?
YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Cashback Credit Card has the lowest forex markup. SBI Cashback 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: SBI Cashback 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
Other Comparisons
- SBI Cashback Credit Card vs HSBC Live Plus Credit CardSide by side →
- SBI Cashback Credit Card vs SBI Flipkart Credit CardSide by side →
- SBI Cashback Credit Card vs Shoppers Stop Black HDFC Bank Credit CardSide by side →
- YES BANK POP-CLUB Credit Card vs HSBC Live Plus Credit CardSide by side →
- YES BANK POP-CLUB Credit Card vs SBI Flipkart Credit CardSide by side →
- YES BANK POP-CLUB Credit Card vs Shoppers Stop Black HDFC Bank Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- 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 →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
