YES BankYES Bank POP CLUB Credit Card – Benefits, Fees & Eligibility
Is the YES Bank POP CLUB Credit Card Right for You?
The YES Bank POP CLUB Credit Card is best suited for users who prioritize Shopping, Utilities, Dining. With a joining fee of Nil and a renewal fee of Nil, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 10 POPcoins per ₹100 online, 2 POPcoins per ₹100 offline, and 5% instant POPcoins via POP UPI..
Key Card Details
Nil
Nil
Reward Points
3.4%
Notable Perks
Domestic Lounge Access
Not offered.
International Lounge Access
Not offered.
Insurance Coverage
Not offered.
Spend-Based Waiver
Not applicable.
Movie Benefits
Enjoy a complimentary 3-month Zomato Gold membership, offering deals and discounts.
Golf Benefits
Not offered.
Things to Consider
Lacks essential premium features like complimentary airport lounge access, which may deter frequent travelers.
The card does not include any golf privileges, limiting benefits for golf enthusiasts.
Existing YES Bank Credit Cardholders are specifically ineligible to apply for this card.
Benefits & Features
Welcome Offer
Benefits worth ₹5,000: 500 POPcoins, 5 Blinkit deliveries, 6-month PharmEasy Plus, 3-month Zomato Gold.
Rewards Rate
Earn 10 POPcoins per ₹100 online, 2 POPcoins per ₹100 offline, and 5% instant POPcoins via POP UPI.
Reward Type
Reward Points
Reward Redemption
POPcoins are worth up to ₹1, redeemable for vouchers or directly at the POPshop via partner apps.
Domestic Lounge Access
Not offered.
International Lounge Access
Not offered.
Premium Benefits
Not offered.
Insurance Coverage
Not offered.
Movie Benefits
Enjoy a complimentary 3-month Zomato Gold membership, offering deals and discounts.
Dining Benefits
Complimentary 3-month Zomato Gold membership provides deals and discounts on dining expenses.
Travel Benefits
Receive a Cleartrip voucher worth ₹750 and benefit from ₹1 free cancellation/rescheduling.
Fees & Charges
Joining Fee
Nil
Renewal Fee
Nil
Spend-Based Waiver
Not applicable.
Foreign Currency Markup
3.4%
Interest Rates
3.99% monthly (47.88% annually).
Fuel Surcharge Waiver
1% waiver, capped at ₹300 every month.
Cash Advance Charges
2.5% of amount withdrawn or ₹500, whichever is higher.
Rewards Redemption Fee
Not applicable.
Pros & Cons
Pros
Key benefits and features of this card.
Maximizes rewards on daily online and offline expenditures for diverse shoppers.
Offers substantial welcome benefits worth ₹5,000 with zero joining and annual fees for a limited period.
Earns valuable POPcoins on both online and offline transactions, catering to diverse spending habits.
Provides an instant 5% POPcoins on UPI transactions made securely through the POP UPI app.
Cons
Key drawbacks and limitations of this card.
Lacks essential premium features like complimentary airport lounge access, which may deter frequent travelers.
The card does not include any golf privileges, limiting benefits for golf enthusiasts.
Existing YES Bank Credit Cardholders are specifically ineligible to apply for this card.
The limited-time annual fee waiver may result in charges after December 2025 or June 2025.
Product Details
Operates on the RuPay network for seamless UPI integration and payments.
Does not offer domestic or international airport lounge access.
The card does not include any golf privileges.
Existing YES Bank Credit Cardholders are not eligible to apply for this card.
Eligible for all valid YES Bank and RuPay network offers.
Offers free cancellation and rescheduling of Cleartrip bookings for just ₹1.
Benefits & Features
Welcome Offer
Benefits worth ₹5,000: 500 POPcoins, 5 Blinkit deliveries, 6-month PharmEasy Plus, 3-month Zomato Gold.
Rewards Rate
Earn 10 POPcoins per ₹100 online, 2 POPcoins per ₹100 offline, and 5% instant POPcoins via POP UPI.
Reward Type
Reward Points
Reward Redemption
POPcoins are worth up to ₹1, redeemable for vouchers or directly at the POPshop via partner apps.
Domestic Lounge Access
Not offered.
International Lounge Access
Not offered.
Premium Benefits
Not offered.
Insurance Coverage
Not offered.
Movie Benefits
Enjoy a complimentary 3-month Zomato Gold membership, offering deals and discounts.
Dining Benefits
Complimentary 3-month Zomato Gold membership provides deals and discounts on dining expenses.
Travel Benefits
Receive a Cleartrip voucher worth ₹750 and benefit from ₹1 free cancellation/rescheduling.
What matters, explained clearly
YES Bank POP CLUB Credit Card
Introduction
The YES Bank POP CLUB Credit Card is a unique co-branded card designed for individuals who seek to maximize rewards on every purchase. Operating on the RuPay network, this card allows for seamless integration with UPI applications, including POP UPI, enabling secure and convenient transactions. Cardholders can earn valuable POPcoins on both online and offline spending, with attractive introductory benefits such as zero annual charges for a limited period and welcome perks worth ₹5,000, making everyday transactions more rewarding and enjoyable.
Welcome Benefits
- Benefits worth ₹5,000 are offered upon joining.
- Earn 500 POPcoins upon activating the POP CLUB Credit Card.
- Receive 5 free deliveries on Blinkit.
- Enjoy a 6-month PharmEasy Plus membership.
- Get a Cleartrip voucher worth ₹750.
- Includes a 3-month Zomato Gold membership.
- Benefit from 2 free bike rides worth ₹100 each month on Rapido.
- Receive a cult.fit sports voucher worth ₹500.
Fees
- Joining Fee: Nil
- Renewal Fee: No Annual Fee (Limited Time Offer Till 31st December 2025; also mentioned as zero annual charges till 30th June 2025).
- Spend-Based Waiver: Not applicable.
- Rewards Redemption Fee: Not applicable.
- Foreign Currency Markup: 3.4%
- Interest Rates:
- 3.99% (Monthly)
- 47.88% (Annually)
- Fuel Surcharge: 1% waiver, capped at ₹300 every month.
- Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.
Rewards
- Reward Rate
- Earn 10 POPcoins for every ₹100 spent on online transactions.
- Earn 2 POPcoins for every ₹100 spent offline.
- Receive an instant 5% POPcoins when making payments via POP UPI using your YES Bank POP CLUB RuPay Card.
- Milestone Perks
- Earn an additional 1,500 POPcoins upon crossing a spending threshold of ₹1.5 lakhs in the previous quarter or in a year.
- Movies & Dining
- Enjoy a complimentary 3-month Zomato Gold membership.
- Travel
- Receive a Cleartrip voucher worth ₹750.
- Benefit from free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
- Domestic Lounge Access: Not offered.
- International Lounge Access: Not offered.
- Golf: Not offered.
- Insurance Benefits: Not offered.
- Lifestyle Benefits
- 5 free deliveries on Blinkit.
- 6-month PharmEasy Plus membership.
- 2 free bike rides worth ₹100 each month on Rapido.
- Cult.fit sports voucher worth ₹500.
Rewards Redemption Guide
- Each POPcoin is worth up to ₹1.
- POPcoins can be redeemed for various vouchers or directly at the POPshop.
- Redemption is facilitated through the partner’s website or mobile app.
Card Eligibility Criteria
- Age Requirement: Applicants must be between 21 and 60 years old.
- Employment Status: Open to both salaried individuals and self-employed persons.
- Credit History: Applicants must not hold an existing YES BANK Credit Card to qualify.
- Income Criteria:
- Minimum net monthly salary of ₹25,000.
- Minimum Annual Income Tax Return (ITR) of ₹5 lakhs or more.
Card Review
The YES Bank POP CLUB Credit Card is an excellent choice for shoppers aiming to maximize rewards on their daily expenditures. Its attractive proposition includes no joining or annual fees for a limited time, coupled with substantial welcome benefits valued at ₹5,000, offering a rewarding start for new cardholders. The card stands out by offering POPcoins on both online and offline transactions, making it highly beneficial for individuals with diverse shopping habits. An added advantage is the 5% instant POPcoins earned on UPI transactions made via the POP UPI app, enhancing convenience and reward accumulation. While it lacks premium features such as airport lounge access, which some users might consider essential, the card compensates with significant value through its unique partnerships and discounts. Overall, the YES Bank POP CLUB Credit Card is ideal for consumers who prioritize earning rewards on every transaction, whether online or in-store, and is also eligible for all valid RuPay and YES Bank Credit Card offers.
Important Product Details
- The card comes with zero joining and annual fees for a limited time.
- It is available on the RuPay network, allowing seamless connectivity with UPI apps for payments.
- Cardholders earn 5% instant POPcoins when making transactions via POP UPI.
- Welcome benefits include complimentary 3-month Zomato Gold membership, free deliveries on Blinkit, a Cleartrip voucher, and more, collectively worth ₹5,000.
- Earn an additional 1,500 POPcoins on spending ₹1.5 lakhs in a quarter or year.
- Does not offer airport lounge access (domestic or international).
- Does not offer golf privileges.
- Existing YES Bank Credit Cardholders are not eligible to apply for this card.
- Offers a 1% fuel surcharge waiver, capped at ₹300 monthly.
Other Details
- The card operates on the RuPay network.
- It can be easily linked with UPI apps, including POP UPI, for secure transactions.
- Cardholders can take advantage of free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
- The card is eligible for all valid YES Bank and RuPay offers.