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Klick RuPay Credit Card VS YES Bank POP CLUB Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 18 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Klick RuPay Credit Card
Klick RuPay Credit Card
YES Bank POP CLUB Credit Card
YES Bank POP CLUB Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNil (as it is a lifetime-free card)
Spend Based Waiver
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.4%
Interest Rate (APR)3.8% Monthly
Interest Rate (APR)3.99% (Monthly) or 47.88% (Annually)

Rewards & Benefits

Welcome Bonus
Welcome BonusWelcome benefits worth ₹5,000 including POPcoins, Blinkit, PharmEasy, Cleartrip, Zomato Gold, Rapido, Cult.fit vouchers.
Rewards RateEarn 2 Reward Points for every ₹200 spent on non-UPI transactions.
Rewards RateEarn 10 POPcoins for every ₹100 spent on online transactions. 2 POPcoins for every ₹100 spent offline. Instant 5% POPcoins via POP UPI.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsCleartrip voucher worth ₹750. Option for free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsComplimentary 3-month Zomato Gold membership.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1%
Fuel Surcharge Waiver1% waiver, capped at ₹300 every month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesNil
Cash Advance Charges2.5% of the amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Klick RuPay Credit Card

YES Bank POP CLUB Credit Card

Who is it for?

The Klick RuPay Credit Card by Yes Bank and Kiwi is a lifetime-free virtual credit card, perfect for modern consumers seeking value. It offers zero joining and renewal fees, cashback on all transactions, and a 1% fuel surcharge waiver, making everyday spending more rewarding. With secure digital payments and UPI functionality, this card provides a convenient and hassle-free experience for managing daily expenses.

Who is it for?

The YES Bank POP CLUB Credit Card is a unique co-branded card designed for individuals who love earning rewards on every purchase, particularly for online transactions and UPI payments. It offers significant benefits such as zero joining and annual fees until March 31, 2027, and welcome benefits worth ₹5,000. Cardholders earn POPcoins on all eligible transactions, with extra rewards for UPI payments. Being on the RuPay network, it seamlessly integrates with UPI apps for secure and convenient payments, making it ideal for everyday shoppers.

Pros

Key benefits and features.

No joining or renewal fees make the Klick RuPay Credit Card highly economical.

Enjoy guaranteed cashback on every transaction made with the Klick RuPay Credit Card.

Benefit from a 1% fuel surcharge waiver, significantly reducing fuel expenses.

The Klick RuPay Credit Card is 100% virtual, offering instant access and secure digital payments.

Seamlessly make UPI payments directly from your Klick RuPay Credit Card for daily needs.

Pros

Key benefits and features.

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.

The reward rate of 2 points per ₹200 on the Klick RuPay Credit Card is relatively low.

Klick RuPay Credit Card lacks premium benefits like lounge access or travel discounts.

A foreign currency markup of 3.5% on the Klick RuPay Credit Card is quite high.

The Klick RuPay Credit Card does not offer any specific welcome or milestone benefits.

Cons

Key drawbacks and limitations.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Klick RuPay Credit Card(opens in new tab)Apply for YES Bank POP CLUB Credit Card(opens in new tab)