YES Bank POP-CLUB Credit Card
Best for pOP app shoppers using UPI. 10 POPcoins/Rs100 online, 2/Rs100 offline; 500 POPcoins on activation; 1,500 at Rs1.5L
Terms as of 2026-09-27 · Checked 28 September 2026YES Bank POP-CLUB Credit Card at a glance
Who it suits: POP app shoppers using UPI
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10 POPcoins/Rs100 online, 2/Rs100 offline; 500 POPcoins on activation; 1,500 at Rs1.5L |
| Caps & exclusions | Utility capped Rs3,000/month, education Rs5,000/month |
| Welcome benefit | Perks worth Rs5,000 |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% on Rs1,000-3,500, max Rs100/cycle |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | ₹399 + GST |
| Fee waiver | Annual spend Rs1.5 lakh |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs25,000/month net salary or ITR Rs7.5 lakh |
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
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| Scapia Federal Bank | Federal Bank | Free / Free | 2.00% base value | Travellers wanting zero forex and lifetime-free |
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Frequently asked questions
What is the annual fee of the YES Bank POP-CLUB Credit Card?
Joining fee Free and annual fee ₹399 (plus 18% GST). Annual spend Rs1.5 lakh.
What rewards does it offer?
10 POPcoins/Rs100 online, 2/Rs100 offline; 500 POPcoins on activation; 1,500 at Rs1.5L Caps/exclusions: Utility capped Rs3,000/month, education Rs5,000/month
Who is eligible?
Rs25,000/month net salary or ITR Rs7.5 lakh. A CIBIL score of 750+ improves approval chances.
Is the YES Bank POP-CLUB Credit Card good for me?
Best for: POP app shoppers using UPI. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.bankbazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on YES Bank’s website before applying. FinancePortal is not affiliated with the issuer.