POP CLUB, issued by Yes Bank
YES BANK POP-CLUB Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual fee₹399 + GST
- Reward rate0.2% base, up to 1% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual fee₹399 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Welcome benefitEarn 500 POPcoins on activating the POP CLUB Credit Card
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The POP-CLUB card has no joining fee and works on UPI as a RuPay card. It earns 10 POPcoins per Rs 100 on online spends, worth about 1%, capped each month, and about 0.2% on everything else. You get 500 POPcoins on activation and 1,500 more when you spend Rs 1.5 lakh in a year. Extras include 5 free Blinkit deliveries, a 6-month PharmEasy Plus membership and Rs 1 Cleartrip cancellation or rescheduling.
From the second year the fee is ₹399 plus GST, waived when you spend ₹1,50,000 in the year. That same spend also triggers the milestone, so it is the number to aim for.
It suits young online shoppers wanting a low-cost UPI card. The catch: offline spends earn very little and the forex fee is 3.5%.
Best for: Young online shoppers, UPI users wanting a low-cost card, First-time card users.
01YES BANK POP-CLUB Credit Card Rewards and Benefits
02YES BANK POP-CLUB Credit Card Annual Fee and Charges
- Joining fee
- Free
- Annual fee
- ₹399 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 1%₹50
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹960 a year₹80
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- UPI payments: 1% back
- Online shopping: 1% back, up to ₹600 a month
- Spending ₹12,500 or more a month: the ₹471 fee is waived
Skip it if…
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹471 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you rarely spend on UPI payments or online shopping: the 1% rate applies only there, everything else earns 0.2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
04Product Details
- Zero joining fee, ₹399 annual fee
- 10 POPcoins per ₹100 online, about 1%, with a monthly cap
- About 0.2% on other spends
- 500 POPcoins on activation
- 1,500 POPcoins at ₹1.5 lakh yearly spend
- Fee waived at ₹1,50,000 yearly spend
05Pros and Cons
Pros
- No joining fee
- Waiver and milestone hit at the same spend
- Handy extras on Blinkit, PharmEasy and Cleartrip
Cons
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
06How YES BANK POP-CLUB Credit Card earns Rewards
0.2% base, up to 1% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | All merchants in the category |
| Online shopping | 1% | ₹600 | All merchants in the categoryTerms: 10 POPcoins per ₹100 online, capped at 6,000 POPcoins a month (500 per transaction). POP markets a POPcoin as ₹1, but its terms bar converting POPcoins to cash and give no rate for bills or recharges; we value one at about ₹0.10, so this is about 1%. Coins expire 365 days after they are credited |
| Dining and food delivery | 0.2% | No cap | The card's normal rate |
| Groceries | 0.2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate |
| Everything else | 0.2% | No cap | The card's normal rate |
Terms on the base rate. 2 POPcoins per ₹100 on offline spends, and 2% in POPcoins on POP UPI payments, about 0.2% at our valuation of about ₹0.10 a POPcoin
Point value. 1 point is worth about ₹0.1 at the bank's stated value.
07YES BANK POP-CLUB Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
Also on the card. milestone bonuses.
- Milestone bonuses: 1,500 bonus POPcoins (≈₹150) on crossing ₹1.5 lakh annual spend, which also waives the ₹399 fee. Below that bar you get 400 POPcoins, ≈₹40 against a fee of ₹399 plus GST, not an offset
08YES BANK POP-CLUB Credit Card Eligibility and Documents
- Age: 21 to 60 years
- Min. income: ₹25,000 a month
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
09Recent Changes
What Yes Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Forex markup raised from 3.40% to 3.50%Source: Yes Bank | 3.40% | 3.50% |
| 1 Jun 2026 | Reduced: Education payments stop earning POPcoinsSource: Yes Bank | - | No POPcoins on education transactions |
| 1 Jun 2026 | Reduced: Fuel surcharge waiver narrowed to ₹1,000 to ₹3,500 fills, capped at ₹100 a cycleSource: Yes Bank | 1% on ₹400 to ₹5,000 transactions, up to ₹300 a statement cycle | 1% on ₹1,000 to ₹3,500 transactions, capped at ₹100 a statement cycle |
| 29 Aug 2024 | Changed: POP-CLUB card launched at Global Fintech Festival | - | - |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to YES BANK POP-CLUB Credit Card
YES BANK POP-CLUB Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | YES BANK POP-CLUB Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | Free | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹399 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.2% base, up to 1% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Welcome benefit | Earn 500 POPcoins on activating the POP CLUB Credit Card | - | - |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the fee?
No joining fee. The annual fee is ₹399 plus GST, waived once you spend ₹1,50,000 in the year.
How much are POPcoins worth?
About 10 paisa each, so 10 coins per ₹100 online works out to around 1%.
Is there a milestone bonus?
Yes, 1,500 POPcoins when you spend ₹1.5 lakh in a year.
Who can apply?
Applicants aged 21 to 60 earning at least ₹25,000 a month, subject to the bank's checks.
What is the joining fee for the YES BANK POP-CLUB Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the YES BANK POP-CLUB Credit Card?
The annual fee is ₹399 + GST.
What is the eligibility for the YES BANK POP-CLUB Credit Card?
The bank looks for age: 21 to 60 years. Meeting these does not guarantee approval, since the final decision is the bank's.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Yes Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
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