RBL Bank ShopRite Credit Card vs YES Bank POP-CLUB Credit Card
How RBL Bank ShopRite Credit Card and YES Bank POP-CLUB Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) and YES Bank POP-CLUB Credit Card costs Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. — both waivable on spend, so the rewards decide it.
RBL Bank ShopRite Credit Card — better for households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page).
YES Bank POP-CLUB Credit Card — better for online and upi-heavy spenders who want a rupay rewards card redeemable as discounts/deals across d2c brands via the popclub app.
Side by side
| RBL Bank ShopRite Credit CardRBL Bank | YES Bank POP-CLUB Credit CardYES Bank | |
|---|---|---|
| Annual fee | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) | Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. |
| Reward rate | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 | 10 POPcoins/₹100 online; 2 POPcoins/₹100 offline; +5% POPcoins on POP UPI; 1 POPcoin = up to ₹1 (redeemed as deals/discounts in POPclub app); POPcoins valid 365 days |
| Lifetime-free | No | No |
| Network | Visa / Mastercard / RuPay | RuPay |
| Eligibility | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) | Age 21-60; salaried min approx ₹25,000/month or self-employed approx ₹7.5L annual ITR (aggregator-sourced); new YES Bank credit-card customers only |
| Best for | Households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite RBL listing it on its LTF page). | Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. |
RBL Bank ShopRite Credit Card
- 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
- 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
- 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days
YES Bank POP-CLUB Credit Card
- 10 POPcoins/₹100 on online spends and 2 POPcoins/₹100 offline; 5% instant POPcoins on POP UPI (1 POPcoin = up to ₹1)
- Welcome benefits worth ~₹5,000 (500 POPcoins, ₹750 Cleartrip voucher, 3-mo Zomato Gold, 6-mo PharmEasy Plus, Blinkit/Rapido perks)
- 1% fuel surcharge waiver (transactions up to ₹10,000); 1,500 POPcoins milestone on ₹1.5L annual spend
RBL Bank ShopRite Credit Card vs YES Bank POP-CLUB Credit Card — FAQs
Neither is universally better. RBL Bank ShopRite Credit Card suits households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page). YES Bank POP-CLUB Credit Card suits online and upi-heavy spenders who want a rupay rewards card redeemable as discounts/deals across d2c brands via the popclub app. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) and YES Bank POP-CLUB Credit Card costs Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. — both waivable on spend, so the rewards decide it. On rewards, RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on grocery spends (capped at 1,000 rp/month, i.e. ~₹250/month value at 1 rp = ₹0.25) whereas YES Bank POP-CLUB Credit Card gives 10 popcoins per ₹100 on online spends (1 popcoin = up to ₹1), plus 5% instant popcoins on pop upi payments
RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend). YES Bank POP-CLUB Credit Card: Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.