YES Bank POP CLUB Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline spends; 5% instant POPcoins on POP UPI
Welcome Bonus
Welcome benefits worth ₹5,000 including 500 POPcoins, Zomato Gold 3-month membership, Cleartrip ₹750 voucher, Blinkit free deliveries & Cult.sport voucher
Lounge
No Lounge Access
Our Expert Take
YES Bank POP Club combines a genuinely free RuPay card with a welcome package worth roughly ₹5,000 across Zomato, Cleartrip, Blinkit and Cult.sport. The 10 POPcoins per ₹100 online and 5% back on UPI payments through the POP app make it a reasonable everyday pick for anyone comfortable managing a separate rewards app.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
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: Rent, wallet loads, fuel, government, insurance, education, railways, tolls, cash, EMI
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 100% Lifetime Free credit card with zero joining and annual fees
- RuPay network support for direct UPI payments
- Generous welcome package worth ₹5,000 across Zomato, Cleartrip, Blinkit, Cult.sport & Rapido
- Accelerated 10 POPcoins per ₹100 spent online and 5% POPcoins on POP UPI app transactions
- Quarterly milestone bonus of 1,500 POPcoins on crossing ₹1.5 Lakhs in spends
Limitations
- Does not include complimentary domestic or international airport lounge access
- Existing YES Bank credit cardholders are ineligible to apply
- Foreign currency transaction markup fee of 3.4% applies on international spends
Key Perks & Spending Milestones
10 POPcoins accrued per ₹100 spent on all online shopping transactions
2 POPcoins accrued per ₹100 spent on offline retail swipes
5% instant POPcoins generated on transactions made via the POP UPI app
1 POPcoin = Up to ₹1 valuation when redeemed for brand vouchers or on POPshop
Complimentary 3-month Zomato Gold membership and 5 free deliveries on Blinkit
Cleartrip travel voucher worth ₹750 plus ₹1 free booking cancellation / rescheduling
1,500 bonus POPcoins on hitting ₹1.5 Lakh quarterly spend milestone
1% fuel surcharge waiver valid across all petrol pumps in India (capped at ₹300 per month)
Spend milestone
Earn 1,500 bonus POPcoins upon crossing ₹1.5 Lakhs in quarterly card spends
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Lifetime Free credit card with zero joining or annual maintenance fees
Interest rate
3.99% per month (47.88% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹5 Lakh per annum
age
21 to 60 years
employment profiles
Existing YES Bank credit cardholders are not eligible to apply
Credit score & income
Good (700+)
Frequently Asked Questions
What are POPcoins and how do they work on YES Bank POP CLUB?
Does POP CLUB offer lounge access?
Are there surcharges on heavy utility or fuel spends?
Compare YES Bank POP CLUB Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| YES Bank POP CLUB Credit Card This Card | Free | 10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline... | No Lounge Access | 4.8/5 |
| RBL Bank ShopRite Credit Card | Free | 20 Reward Points per ₹100 spent on groceries (~5% return); 1... | No Lounge Access | 4.6/5 |
| Flipkart Axis Bank Credit Card | ₹500 + Taxes | 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... | No Lounge Access (Discontinued Jun 2025) | 4.5/5 |
| Swiggy HDFC Credit Card | ₹500 + Taxes | 10% cashback on Swiggy Food, Instamart & Dineout orders above ₹249... | No Lounge Access | 4.4/5 |