• 10 POPcoins per ₹100 on online spends.

• 2 POPcoins per ₹100 on all other purchases.

• Extra 5% instant POPcoins on UPI spends through POP UPI app (RuPay only).

• 1,500 bonus POPcoins for every ₹1.5 lakh spent per anniversary year.

• Link with UPI for secure, fast transactions via RuPay.

• Best for Online and UPI Spends:

  • High accelerated reward rate (10 POPcoins/₹100) on online shopping — outperforms most entry-level cashback cards.

  • UPI integration (5% extra POPcoins on UPI) is a unique advantage in the Indian market.

  • Offline spends (2 POPcoins/₹100) remain competitive.

• Real Value Example:

  • ₹10,000 online: 1,000 POPcoins (worth up to ₹1,000 if redeemed wisely).

  • ₹10,000 on UPI: 1,000 + 500 bonus POPcoins.

• Milestone Benefit:

  • Frequent users easily unlock additional value via annual milestone rewards.

• Extra Perks:

  • Enjoy lifestyle memberships and regular e-commerce benefits at no extra cost.

• No Airport Lounge Access or Travel Insurance:

  • Focus is on everyday lifestyle rather than travel.

• Fees & Charges:

  • Joining Fee: Nil.

  • Annual Fee: ₹399+taxes (waived at ₹1.5 lakh annual spend).

  • Interest: 3.99% monthly (carries over on unpaid balances).

  • Cash Advance Fees: 2.5% or ₹500, whichever is higher.

• Transaction Charges:

  • Fuel: 1% waiver up to ₹5000/month; transactions >₹10,000 attract 1% fee.

  • Utilities/Education/Wallets/Real Estate: 1% charge on usage above set limits (see official charges).

• Eligibility:

  • Age: 21–60 years.

  • Salaried/self-employed with ₹25,000+ monthly net income or ₹7.5+ lakh annual ITR.

  • New YES BANK credit cardholders only (not available to existing cardholders).

• Documentation:

  • Basic KYC, PAN, Aadhaar, recent Pay slip or ITR.

Tips:

• UPI feature is only for RuPay-issued POP-CLUB Credit Cards.

• Make sure to check the Pop Club app for ongoing offers and best-value redemptions.

• POPcoins Redemption:

  • Rate: Up to ₹1 per POPcoin (best value at partner brands and special offers).

  • POPcoins can be used for direct discounts, gift vouchers, and shopping at 500+ brands on the POP app.

  • Redeem for food delivery, e-pharmacy, flight bookings, apparel, and more.

• Best Value Tips:

  • Look for POP Mini and anchor brand deals for redemption up to 20% off

  • Use direct discounts on the POPshop platform for the highest yield.

• No Redemption Fee: All redemptions processed directly via the POP app; no hidden charges.

• Urban millennials and Gen Zs who shop online, use UPI, and value free memberships and lifestyle rewards.

• Young professionals and families looking for a low-maintenance card with solid rewards on everyday digital payments.

• Digital-first spenders who want to maximize UPI-linked rewards and lifestyle benefits.

Strengths:

• Zero joining fee, easy annual waiver threshold, and lucrative welcome/milestone benefits.

• Excellent for e-commerce, UPI, lifestyle, and bill payments.

• POPcoins ecosystem and rewards redemption outshine the competition for digital shoppers.

Limitations:

• No airport lounge, international travel, or heavy insurance features.

• Existing YES BANK credit cardholders can’t apply.

• Charges apply on excessive utility, wallet, or fuel spends.

• Best Usage: Use for groceries, e-commerce, pharmacy, food delivery, and digital bill payments for maximized rewards.

• Activation: Download the POP app and link the card to UPI for instant access.

• Maintain Spending: Aim for at least ₹1.5 lakh annual spend for the fee waiver—this is easily achievable for regular users.

• Application Process: Quick online KYC, Aadhaar verification, and digital card issuance via YES Bank and POP Club platforms.

• Responsible Usage: Always pay bills in full—forgo reward value if interest is incurred.

Summary