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 Access
No Lounge Access
FindMyCard 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.
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
Editorial Verdict
The YES Bank POP CLUB Credit Card is ideally suited for online shopping, upi payments over rupay, merchant rewards & lifestyle vouchers. If you want 10 popcoins per ₹100 online spends; 2 popcoins per ₹100 offline spends; 5% instant popcoins on pop upi, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (700+) credit to be approved.
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)
🚀 Milestone Spends Timeline
Earn 1,500 bonus POPcoins upon crossing ₹1.5 Lakhs in quarterly card spends
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Lifetime Free credit card with zero joining or annual maintenance fees
Regular Interest Charges
3.99% per month (47.88% per annum)
📅 Late Payment Fee Penalty Tiers
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
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 app; 5% on online shopping across 1000+ top... | No Lounge Access | 4.4/5 |