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, Dining, Travel. With a joining fee of Lifetime Free and a renewal fee of Lifetime Free, 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 for every ₹100 spent on online transactions. 2 POPcoins for every ₹100 spent offline. Instant 5% POPcoins via POP UPI..
Key Card Details
Lifetime Free
Lifetime Free
Reward Points
3.4%
Earn 10 POPcoins for every ₹100 spent on online transactions. 2 POPcoins for every ₹100 spent offline. Instant 5% POPcoins via POP UPI.
3.99% (Monthly) or 47.88% (Annually)
Notable Perks
Welcome Offer
Welcome benefits worth ₹5,000 including POPcoins, Blinkit, PharmEasy, Cleartrip, Zomato Gold, Rapido, Cult.fit vouchers.
Dining Benefits
Complimentary 3-month Zomato Gold membership.
Fuel Surcharge Waiver
1% waiver, capped at ₹300 every month.
Things to Consider
The card does not offer any complimentary domestic or international airport lounge access.
Existing YES BANK Credit Cardholders are explicitly not eligible to apply for this card.
Lifetime free offer is only valid until March 31, 2027, after which fees may apply.
Benefits & Features
Welcome Offer
Welcome benefits worth ₹5,000 including POPcoins, Blinkit, PharmEasy, Cleartrip, Zomato Gold, Rapido, Cult.fit vouchers.
Rewards Rate
Earn 10 POPcoins for every ₹100 spent on online transactions. 2 POPcoins for every ₹100 spent offline. Instant 5% POPcoins via POP UPI.
Reward Type
Reward Points
Reward Redemption
Each POPcoin is worth up to ₹1. Redeem for vouchers or directly at the POPshop via partner’s website or app.
Dining Benefits
Complimentary 3-month Zomato Gold membership.
Travel Benefits
Cleartrip voucher worth ₹750. Option for free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
Fees & Charges
Joining Fee
Lifetime Free
Renewal Fee
Lifetime Free
Foreign Currency Markup
3.4%
Interest Rates
3.99% (Monthly) or 47.88% (Annually)
Fuel Surcharge Waiver
1% waiver, capped at ₹300 every month.
Cash Advance Charges
2.5% of the amount withdrawn or ₹500, whichever is higher.
Pros & Cons
Pros
Key benefits and features of this card.
Enjoy zero joining and annual fees until March 31, 2027, making it highly accessible.
Receive substantial welcome benefits valued at ₹5,000, providing a rewarding start.
High reward rates with 10 POPcoins per ₹100 online and 5% instant POPcoins on UPI spends.
Access exclusive lifestyle benefits including Zomato Gold, Cleartrip, and PharmEasy Plus.
Seamlessly link with UPI apps for convenient and secure payments on the RuPay network.
Cons
Key drawbacks and limitations of this card.
The card does not offer any complimentary domestic or international airport lounge access.
Existing YES BANK Credit Cardholders are explicitly not eligible to apply for this card.
Lifetime free offer is only valid until March 31, 2027, after which fees may apply.
Lacks comprehensive insurance benefits, which might be a drawback for some users.
A foreign currency markup of 3.4% makes international spending less attractive.
Product Details
Zero joining and annual fees until March 31, 2027.
Welcome benefits worth ₹5,000, including POPcoins, vouchers, and memberships.
Earn 10 POPcoins per ₹100 online, 2 per ₹100 offline, and 5% instant via POP UPI.
Additional 1,500 POPcoins on annual spends of ₹1.5 lakhs.
RuPay network card, linkable with UPI apps for seamless payments.
Does not offer any complimentary airport lounge access.
Existing YES BANK Credit Cardholders are not eligible to apply.
Eligible for all valid Yes Bank and RuPay offers.
Benefits & Features
Welcome Offer
Welcome benefits worth ₹5,000 including POPcoins, Blinkit, PharmEasy, Cleartrip, Zomato Gold, Rapido, Cult.fit vouchers.
Rewards Rate
Earn 10 POPcoins for every ₹100 spent on online transactions. 2 POPcoins for every ₹100 spent offline. Instant 5% POPcoins via POP UPI.
Reward Type
Reward Points
Reward Redemption
Each POPcoin is worth up to ₹1. Redeem for vouchers or directly at the POPshop via partner’s website or app.
Dining Benefits
Complimentary 3-month Zomato Gold membership.
Travel Benefits
Cleartrip voucher worth ₹750. Option for free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
What matters, explained clearly
Introduction
The YES Bank POP CLUB Credit Card is a unique co-branded card issued by YES Bank, designed for individuals who love earning rewards on every purchase, particularly for online transactions and UPI payments. Positioned as a rewarding option for everyday shoppers, this card offers significant benefits such as zero joining and annual fees until March 31, 2027, welcome benefits worth ₹5,000, and the ability to earn POPcoins on all eligible transactions. Being on the RuPay network, it seamlessly integrates with UPI apps for secure and convenient payments.
Welcome Benefits
The YES Bank POP CLUB Credit Card provides welcome benefits worth ₹5,000, ensuring a rewarding start for new cardholders. These exclusive offers include:
- 500 POPcoins upon activating the POP CLUB Credit Card.
- 5 free deliveries on Blinkit.
- 6-month PharmEasy Plus membership.
- Cleartrip voucher worth ₹750.
- 3-month Zomato Gold membership.
- 2 free bike rides worth ₹100 each month on Rapido.
- Cult.fit sports voucher worth ₹500.
Fees
- Joining Fee: LIFETIME FREE (Till 31st March 2027)
- Renewal Fee: LIFETIME FREE (Till 31st March 2027)
- Spend-Based Waiver: Not applicable for fee waivers.
- Rewards Redemption Fee: Not applicable.
- Foreign Currency Markup: 3.4%
- Interest Rates: 3.99% (Monthly) or 47.88% (Annually)
- Fuel Surcharge Waiver: 1% waiver, capped at ₹300 every month.
- Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.
Rewards
The YES Bank POP CLUB Credit Card offers a comprehensive rewards program based on POPcoins, along with various lifestyle benefits.
- Reward Type: Reward Points (POPcoins).
- Rewards Rate:
- Earn 10 POPcoins for every ₹100 spent on online transactions.
- Earn 2 POPcoins for every ₹100 spent offline.
- Get an instant 5% POPcoins when making spends via POP UPI.
- Milestone Perks: Earn an additional 1,500 POPcoins on crossing a spending threshold of ₹1.5 lakhs in a year.
- Movies & Dining:
- Complimentary 3-month Zomato Gold membership.
- Free deliveries on Blinkit.
- Travel:
- Cleartrip voucher worth ₹750.
- Option for free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
- Lifestyle & Health:
- 6-month PharmEasy Plus membership.
- Cult.fit sports voucher worth ₹500.
- 2 free bike rides worth ₹100 each month on Rapido.
- Lounge Access:
- Domestic Lounge Access: Not available.
- International Lounge Access: Not available.
- Golf: Not available.
- Insurance Benefits: Not available.
Rewards Redemption Guide
- Each POPcoin is worth up to ₹1.
- POPcoins can be redeemed for vouchers or directly at the POPshop.
- Redemption can be done 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 for this card.
- Income Criteria:
- Minimum net salary of ₹25,000 per month.
- Annual Income Tax Return 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 purchases. With no joining or annual fees (for a limited period) and welcome benefits valued at ₹5,000, it offers an accessible entry into a rewarding credit card experience. Cardholders earn POPcoins on both online and offline transactions, with an additional 5% POPcoins for UPI transactions made via the POP UPI app, enhancing convenience and rewards. While it lacks premium features like airport lounge access, the card provides substantial value through its unique partnerships and discounts. It is particularly appealing for consumers who frequently shop and dine out, and it is eligible for all valid Yes Bank and RuPay offers.
Important Product Details
- The card comes with zero joining and annual fees until March 31, 2027.
- Welcome benefits worth ₹5,000 include 500 POPcoins, a Cleartrip voucher, Zomato Gold membership, Blinkit deliveries, PharmEasy Plus membership, Rapido rides, and a Cult.fit voucher.
- Cardholders earn 10 POPcoins per ₹100 spent online, 2 POPcoins per ₹100 spent offline, and an instant 5% POPcoins via POP UPI.
- An additional 1,500 POPcoins are awarded upon spending ₹1.5 lakhs in a year.
- As a RuPay Credit Card, it can be easily linked with UPI apps for seamless payments.
- The card does not offer airport lounge access.
- Existing YES BANK Credit Cardholders are not eligible to apply for this card.
- The card is eligible for all valid Yes Bank and RuPay offers.
Other Details
- The card is available on the RuPay network, enabling easy linkage with UPI apps, including POP UPI.