YES Bank POP CLUB Credit Card on IRCTC
Yes. The YES Bank POP CLUB Credit Card gives 5% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
5%
Other spends
1%
Rank for IRCTC
#3 of 149
Annual fee
Free
What to know before you pay on IRCTC
Cap on IRCTC
No cap
How it works
Online 5% values POPcoins at ₹0.50. On POP partner brands where a coin is worth the full ₹1, online is up to 10%. UPI earns the offline rate (1%).
Caps & rules
- 10 POPcoins per ₹100 on online (e-commerce) spends and 2 per ₹100 on all other spends, including UPI.
- Minimum ₹100 per transaction.
- 1,500 bonus POPcoins on ₹1.5 Lakh spend in a card year, which also waives the ₹399 fee.
- POPcoins are credited after each statement and expire after 1 year.
- POP says a POPcoin is worth up to ₹1, but coins can only be used on POP Club and its partner brands, so they're valued at ₹0.50 here.
Reward limits
- Extra 5 POPcoins per ₹100 on UPI via the POP app: max 6,000 POPcoins per month (500 per transaction)
- 10 POPcoins per ₹100 online, 2 offline: No limit
No rewards on
Fuel, rent, wallet loads, government, marketing/advertising, ATM withdrawals, utilities, insurance premiums, EMI; education from 1 Jun 2026
Checked 2026-10-11 · Bank terms
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Where else the YES Bank POP CLUB Credit Card earns more
Questions
Does the YES Bank POP CLUB Credit Card give rewards on IRCTC?
Yes. The YES Bank POP CLUB Credit Card gives 5% back when you pay on IRCTC directly, compared with 1% on its other spends.
Is there a limit on YES Bank POP CLUB Credit Card rewards?
10 POPcoins per ₹100 on online (e-commerce) spends and 2 per ₹100 on all other spends, including UPI. Minimum ₹100 per transaction. 1,500 bonus POPcoins on ₹1.5 Lakh spend in a card year, which also waives the ₹399 fee. POPcoins are credited after each statement and expire after 1 year. POP says a POPcoin is worth up to ₹1, but coins can only be used on POP Club and its partner brands, so they're valued at ₹0.50 here.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The YES Bank POP CLUB Credit Card ranks #3 of 149 cards we compared.