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YES Bank Elite+ vs 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.

YES Bank Elite+ Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureYES Bank Elite+ Credit CardYES Bank Elite+ Credit CardYes Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.6% base, up to 1.2% on online shopping0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping1.2%1%
Dining and food delivery0.6%0.2%
Groceries0.6%0.2%
Travel: flights, hotels, trains0.6%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.4%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.6%0.2%
Everything else0.6%0.2%
Card identity
Card typesameShoppingShopping
NetworkMastercardRuPay
Card tierMidEntry
Fees
Joining fee₹999 + GSTFree
Annual fee₹999 + GST₹399 + GST
First year freeNoYes
Fee waived at₹2,00,000₹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 type-BOTH
Min monthly salary₹1,00,000₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹125₹100
Lounge access
Domestic lounge visits8-
International lounge visits3-
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markup3%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.99%3.99%
Interest rate (annual)same47.88%47.88%
Redemption
Redemption fee₹100-
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)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

YES Bank Elite+ Credit Card
Rewards a year
₹1,800
Fee a year
₹0
You keep
₹1,800
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, YES Bank Elite+ Credit Card comes out ₹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

YES Bank Elite+ Credit Card
  • Travellers wanting lounges at a moderate fee
  • Online shoppers
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

YES Bank Elite+ Credit Card
  • Monthly cap on online rewards
  • Needs an income of about ₹1 lakh a month
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 (YES Bank Elite+ 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, YES Bank Elite+ Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; YES Bank Elite+ Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

YES Bank Elite+ Credit Card has the lowest forex markup. YES Bank Elite+ Credit Card: 3%; 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: YES Bank Elite+ Credit Card 0.6%, 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, YES Bank Elite+ Credit Card ₹1,00,000. 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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