YES Bank POP-CLUB Credit Card review
Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
YES Bank · RuPay
10 POPcoins per ₹100 on online spends (1 POPcoin = up to ₹1), plus 5% instant POPcoins on POP UPI payments
- Annual fee
- Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.
- Reward rate
- 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
- Network
- RuPay
- Eligibility
- 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
Why it stands out
- 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
Good to know
- It isn't lifetime-free — the annual fee (Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on YES Bank's official page before applying.
How it compares
See it ranked against similar cards in our best cashback credit cards roundup.
YES Bank POP-CLUB Credit Card — FAQs
No. The YES Bank POP-CLUB Credit Card carries a fee — Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.. That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.. Fees are dated as of June 2026 and can change — check the current schedule of charges on YES Bank's official page before applying.
10 POPcoins per ₹100 on online spends (1 POPcoin = up to ₹1), plus 5% instant POPcoins on POP UPI payments In detail: 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. Reward values and caps are indicative and set by the issuer.
Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. Eligibility is broadly 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. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on YES Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.