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YES BANK POP-CLUB vs Select 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 POP-CLUB Credit Card versus YES Bank Select Credit Card compared
FeatureYES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
YES Bank Select Credit CardYES Bank Select Credit CardYes Bank5 recent changes →
Rewards by spend
Rewards0.2% base, up to 1% on online shopping0.4% base, up to 0.8% on online shopping
UPI payments (scan and pay)1%Earns nothing
Online shopping1%0.8%
Dining and food delivery0.2%0.4%
Groceries0.2%0.4%
Travel: flights, hotels, trains0.2%0.4%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.2%
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 currency0.2%0.4%
Everything else0.2%0.4%
Card identity
Card typesameShoppingShopping
NetworkRuPayVisa
Card tiersameEntryEntry
Fees
Joining feeFree₹599 + GST
Annual fee₹399 + GST₹599 + GST
First year freeYesNo
Fee waived at₹1,50,000₹1,00,000
Welcome benefitEarn 500 POPcoins on activating the POP CLUB Credit Card-
Eligibility
Min agesame21 years21 years
Max agesame60 years60 years
Employment typeBOTH-
Min monthly salary₹25,000₹50,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹100₹125
Lounge access
Domestic lounge visits-4
International lounge visits-0
Lounge condition-Spend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.99%3.99%
Interest rate (annual)same47.88%47.88%
Redemption
Redemption fee-₹100
Page content
EligibilityAge: 21 to 60 years Min. income: ₹25,000/mo-
Documents neededPAN 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 POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960
YES Bank Select Credit Card
Rewards a year
₹1,200
Fee a year
₹0
You keep
₹1,200

At this spend, YES Bank Select Credit Card comes out ₹240 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 POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users
YES Bank Select Credit Card
  • Online shoppers wanting a low-fee card
  • Occasional domestic travellers

Watch-Outs

YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee
YES Bank Select Credit Card
  • Modest reward rate
  • Monthly cap on online rewards
  • 3.5% markup on foreign spends

Card data sourced via CardAdvisor.in (YES BANK POP-CLUB Credit Card, YES Bank Select Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, YES BANK POP-CLUB Credit Card or YES Bank Select Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; YES Bank Select Credit Card: ₹599. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

YES BANK POP-CLUB Credit Card has the lowest forex markup. YES BANK POP-CLUB Credit Card: 3.5%; YES Bank Select 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 Select Credit Card 0.4%, 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 Select Credit Card ₹50,000. 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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