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Shoppers Stop Black HDFC Bank 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.

Shoppers Stop Black HDFC Bank Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureShoppers Stop Black HDFC Bank Credit CardShoppers Stop Black HDFC Bank Credit CardHDFC Bank4 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards2% on most spends; 7% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)2%1%
Online shopping2%; 7% only at Shoppers Stop stores and shoppersstop.com1%
Dining and food delivery2%0.2%
GroceriesEarns nothing0.2%
Travel: flights, hotels, trains2%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges2%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees2%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency2%0.2%
Everything else2%0.2%
Card identity
Card typesameShoppingShopping
NetworksameRuPayRuPay
Card tierPremiumEntry
Fees
Joining fee₹4,500 + GSTFree
Annual fee₹4,500 + GST₹399 + GST
First year freeNoYes
Fee waived at-₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min agesame21 years21 years
Max agesame60 years60 years
Employment typesameBOTHBOTH
Min monthly salary₹70,000₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits16-
International lounge visits8-
Lounge condition16 complimentary domestic lounge visits a year (4 per quarter) and 8 international 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)3.75%3.99%
Interest rate (annual)45%47.88%
Page content
Eligibility-Age: 21 to 60 years Min. income: ₹25,000/mo
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)PAN 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

Shoppers Stop Black HDFC Bank Credit Card
Rewards a year
₹4,800
Fee a year
- ₹5,310
You keep
- ₹510
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 ₹1,470 a year ahead of Shoppers Stop Black HDFC Bank 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

Shoppers Stop Black HDFC Bank Credit Card
  • Regular Shoppers Stop customers
  • Frequent flyers
  • High spenders who want a strong flat rate
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

Shoppers Stop Black HDFC Bank Credit Card
  • Fee is charged every year with no waiver
  • The 7% rate is limited to one retailer
  • Needs a monthly income of about ₹70,000
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Shoppers Stop Black HDFC Bank Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Shoppers Stop Black HDFC Bank Credit Card: ₹4,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Shoppers Stop Black HDFC Bank Credit Card has the lowest forex markup. Shoppers Stop Black HDFC Bank 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: Shoppers Stop Black HDFC Bank Credit Card 2%, 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.

Which is easier to get?

By stated minimum monthly income: YES BANK POP-CLUB Credit Card ₹25,000, Shoppers Stop Black HDFC Bank Credit Card ₹70,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.

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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