SBI SimplySAVE Credit Card vs YES Bank POP-CLUB Credit Card
How SBI SimplySAVE 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 SimplySAVE 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 SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE 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 per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 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 approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (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 | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. | Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. |
SBI SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
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 SimplySAVE Credit Card vs YES Bank POP-CLUB Credit Card — FAQs
Neither is universally better. SBI SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE 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 SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value 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 SimplySAVE 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.