YES BANK POP-CLUB Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
YES BANK POP-CLUB Credit Card Review
Introduction
The YES BANK POP-CLUB Credit Card is designed for urban spenders who seek value from daily purchases and digital payments. Co-branded with Pop Club, this card stands out with zero joining fee, lucrative welcome benefits, high reward rates, especially for online and UPI spends, and a user-first rewards ecosystem. For digital-savvy shoppers and UPI users, card offers a streamlined & accessible payment solution while ensuring every transaction brings tangible rewards and lifestyle perks.
Key Features and Benefits
Welcome Benefits
| Partner | Benefit |
|---|---|
| 🛒 Blinkit | 5 free deliveries. |
| ✈️ Cleartrip | ₹750 travel voucher. |
| 💊 PharmEasy | 6-month PharmEasy Plus membership. |
| 🍽️ Zomato | 3-month Zomato Gold Mini membership. |
| 🛵 Rapido | 2 free bike rides/month (worth ₹100). |
| 🏋️ Cult Sport | ₹500 voucher for fitness gear. |
| 🎁 POPcoins | Extra 1500 POPcoins on spends above ₹1.5 Lakh. |
| 🪙 POPcoins | 500 POPcoins on activation. |
Rewards on Spends
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).
Milestone Rewards
1,500 bonus POPcoins for every ₹1.5 lakh spent per anniversary year.
UPI-Enabled Payments
Link with UPI for secure, fast transactions via RuPay.
Fee Structure
| Category | Details |
| Joining Fee | ₹0 |
| Annual Fee | ₹399 + taxes (waived if spend ≥ ₹1.5L/year; not for LTF card) |
| Interest Rate | 3.99% monthly (47.88% annually) |
| Rental Transactions | Max 5/month; 1% or ₹1 (≤ ₹1K), 1% or ₹199 (> ₹1K) |
| Wallet Transactions | ≥ ₹1: 1% or ₹1 (whichever is higher) |
| Utility Charges | 1% + GST on monthly spends > ₹15K (capped at ₹3,000/month) |
| Education Payments | 1% + GST via 3rd-party apps (capped at ₹5,000/month) |
| Fuel Charges | 1% + GST on transactions > ₹10K (capped at ₹5,000/month) |
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | Partner Benefits |
| Annual Fee | ₹399 + GST |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | Renew annually and save ₹1.5L on renewal fees. |
Rewards and Benefits Analysis
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.
Practical Considerations
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.
Redemption Options
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.
Ideal User Profile
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.
Final Thoughts
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.
Additional Tips for Applicants
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
This review offers a clear and balanced overview of the YES BANK POP-CLUB Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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