SBI SimplyCLICK Credit Card vs YES Bank POP-CLUB Credit Card
How SBI SimplyCLICK 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: SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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.
SBI SimplyCLICK Credit Card — better for online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card.
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
| SBI SimplyCLICK Credit CardSBI Card | YES Bank POP-CLUB Credit CardYES Bank | |
|---|---|---|
| Annual fee | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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 | 10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 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 |
| Eligibility | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum | 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 | Online shoppers who spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. | Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. |
SBI SimplyCLICK Credit Card
- 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
- Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
- 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)
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
SBI SimplyCLICK Credit Card vs YES Bank POP-CLUB Credit Card — FAQs
Neither is universally better. SBI SimplyCLICK Credit Card suits online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card. 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: SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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, SBI SimplyCLICK Credit Card gives 10x reward points on online spends with partner brands (apollo 24x7, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, etc.), capped at 10,000 rp per month. 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
SBI SimplyCLICK Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 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.