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SBI Simply Click 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.

SBI Simply Click Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureSBI Simply Click Credit CardSBI Simply Click Credit CardState Bank of India5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.25% on most spends; 2.5% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping0.25%; 2.5% only at Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ1%
Dining and food delivery0.25%0.2%
Groceries0.25%0.2%
Travel: flights, hotels, trains0.25%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college fees0.25%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.25%0.2%
Everything else0.25%0.2%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tiersameEntryEntry
Fees
Joining fee₹499 + GSTFree
Annual fee₹499 + GST₹399 + GST
First year freeNoYes
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 typesameBOTHBOTH
Min monthly salary-₹25,000
Min credit score720-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver capsame₹100₹100
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Page content
EligibilityAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 25,000 Self Employed: ITR > Rs 4,80,000/annum Credit Score: 720+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicantsAge: 21 to 60 years Min. income: ₹25,000/mo
Documents neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slipsPAN 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

SBI Simply Click Credit Card
Rewards a year
₹600
Fee a year
₹0
You keep
₹600
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 ₹360 a year ahead of SBI Simply Click 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

SBI Simply Click Credit Card
  • Young online shoppers
  • First-time card users
  • Swiggy and Myntra regulars
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

SBI Simply Click Credit Card
  • Only about 0.2% on offline spends
  • No points on fuel, rent, wallets or EMIs
  • No lounge access
  • 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 (SBI Simply Click 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, SBI Simply Click Credit Card or YES BANK POP-CLUB Credit Card?

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

Which is better for spending abroad?

SBI Simply Click Credit Card has the lowest forex markup. SBI Simply Click 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 Simply Click Credit 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.

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