Flipkart SBI Card vs YES Bank POP-CLUB Credit Card
How Flipkart SBI 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: Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.
Flipkart SBI Card — better for regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points.
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
| Flipkart SBI CardSBI Card | YES Bank POP-CLUB Credit CardYES Bank | |
|---|---|---|
| Annual fee | ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh annual spend) | Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. |
| Reward rate | 7.5% cashback on Myntra; 5% on Flipkart and Cleartrip; 4% on partner merchants (Uber/Zomato/Netmeds/PVR); 1% on all other eligible spends (uncapped). Each accelerated category has its OWN separate cashback cap of ₹4,000 per quarter (not a shared cap) - i.e. Myntra up to ₹4,000/qtr, Flipkart up to ₹4,000/qtr, Cleartrip up to ₹4,000/qtr, partner merchants up to ₹4,000/qtr. Cashback auto-credited as statement credit (within ~15 days of the statement cycle), no points/redemption. | 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 |
| Eligibility | Age approx 21-70 years; income approx ₹15,000/month salaried or ₹30,000/month self-employed (aggregator-sourced) | 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 | Regular Flipkart and Myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. | Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. |
Flipkart SBI Card
- 7.5% cashback on Myntra and 5% on Flipkart/Cleartrip - each category has its own separate cap of ₹4,000/quarter
- 4% cashback on partner merchants - Uber, Zomato, Netmeds, PVR (own ₹4,000/quarter cap); 1% on all other spends (uncapped)
- 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000 (max ₹400/statement cycle); no lounge access
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
Flipkart SBI Card vs YES Bank POP-CLUB Credit Card — FAQs
Neither is universally better. Flipkart SBI Card suits regular flipkart and myntra shoppers who want straightforward auto-credited cashback on online shopping plus everyday partner-merchant spends, without managing reward points. 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: Flipkart SBI Card costs ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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, Flipkart SBI Card gives 7.5% cashback on myntra and 5% on flipkart and cleartrip (each category cap ₹4,000 per quarter) 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
Flipkart SBI Card: ₹500 + GST joining; ₹500 + GST annual renewal (renewal reversed on ₹3.5 lakh 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.