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YES Bank · RuPay · हिन्दी

YES Bank POP-Club Credit Card: full review

The YES Bank POP-Club Credit Card offers a genuinely strong 10% headline rate on online spending backed by a valuable welcome bundle, but its real value depends heavily on actually using the POP Club app's voucher ecosystem rather than treating POPcoins as flexible cashback - several reviews note the realised redemption value often falls short of the advertised rate. It makes sense specifically for new-to-YES-Bank online shoppers willing to engage with that app; existing YES Bank cardholders cannot apply at all, and light offline spenders will find better options elsewhere.

Apply now ↗Annual fee: ₹0 joining
Last updated: September 2026 · Current terms verified
YES BANK
RuPay
)))
POP-CLUB
ASHOK KUMAR
12/28
₹0 joining, ₹399 + GST annual (waived on ₹1,50,000 annual spend, confirmed from the official MITC; some sources suggest this fee may currently be waived entirely as a limited-time launch offer until March 31, 2027, though this isn't confirmed in the MITC itself)Annual fee
10 POPcoins per ₹100 on online/e-commerce spends; 2 POPcoins per ₹100 on offline spends; additional accelerated POPcoins specifically on UPI transactions made through the POP Club app; 1 POPcoin = up to ₹1, though independent reviews note realised redemption value often runs below this headline rate; redeemable across 80+ partner brands and vouchers within the POP Club app ecosystem, not as flexible cashbackReward structure
NoneLounge access
10 POPcoins per ₹100 on online/e-commerce spends, a strong headline rate for a lifetime-free-tier cardAdditional accelerated POPcoins on UPI transactions made via the POP Club app specificallyWelcome benefits worth up to ₹5,000: Zomato Gold Mini, Blinkit deliveries, a Cleartrip voucher, Rapido ride passes, PharmEasy Plus membership and a Cult Sport voucher1% fuel surcharge waiver on transactions between ₹1,000-₹3,500, capped at ₹100/statement cycle (effective 1 June 2026, confirmed from the official MITC)Milestone bonus of 1,500 POPcoins on reaching the ₹1.5L annual spend threshold, plus 400 POPcoins on renewal fee payment
Apply now ↗ Min. income: Not publicly specified; restricted to new YES Bank credit card customers - existing YES Bank cardholders are explicitly not eligible to apply, per independent reviews (this restriction isn't addressed in the official MITC) · Credit score: Not publicly specified
Pros and cons
Pros
✓ Genuinely strong 10% headline rate on online spending, competitive against most entry-level cashback cards
✓ Detailed, valuable welcome benefit bundle across several everyday apps and services
✓ Real fuel surcharge waiver, confirmed directly from official terms
Cons
✗ Real, redeemable POPcoin value is reported to often fall below the ₹1 headline rate
✗ Rewards are locked into the POP Club app's voucher ecosystem, not flexible cashback or point transfers
✗ Offline spend rate of just 2% is weak next to dedicated cashback cards
✗ No lounge access or travel benefits of any kind
✗ Existing YES Bank credit cardholders cannot apply for this card at all, per independent reviews
✗ 3.50% forex markup is on the higher end, a poor fit for international spending
Quick facts
Issuer YES Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining, ₹399 + GST annual (waived on ₹1,50,000 annual spend, confirmed from the official MITC; some sources suggest this fee may currently be waived entirely as a limited-time launch offer until March 31, 2027, though this isn't confirmed in the MITC itself)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.50% (increased from 3.40%, effective 15 June 2026, confirmed from the official MITC)
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified; restricted to new YES Bank credit card customers - existing YES Bank cardholders are explicitly not eligible to apply, per independent reviews (this restriction isn't addressed in the official MITC)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceYES Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for YES Bank POP-Club Credit Card is ₹0 joining, ₹399 + GST annual (waived on ₹1,50,000 annual spend, confirmed from the official MITC; some sources suggest this fee may currently be waived entirely as a limited-time launch offer until March 31, 2027, though this isn't confirmed in the MITC itself). The joining fee is ₹0.
10 POPcoins per ₹100 on online/e-commerce spends; 2 POPcoins per ₹100 on offline spends; additional accelerated POPcoins specifically on UPI transactions made through the POP Club app; 1 POPcoin = up to ₹1, though independent reviews note realised redemption value often runs below this headline rate; redeemable across 80+ partner brands and vouchers within the POP Club app ecosystem, not as flexible cashback
YES Bank POP-Club Credit Card is best for Frequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback. The YES Bank POP-Club Credit Card offers a genuinely strong 10% headline rate on online spending backed by a valuable welcome bundle, but its real value depends heavily on actually using the POP Club app's voucher ecosystem rather than treating POPcoins as flexible cashback - several reviews note the realised redemption value often falls short of the advertised rate. It makes sense specifically for new-to-YES-Bank online shoppers willing to engage with that app; existing YES Bank cardholders cannot apply at all, and light offline spenders will find better options elsewhere.
The minimum income requirement for YES Bank POP-Club Credit Card is Not publicly specified; restricted to new YES Bank credit card customers - existing YES Bank cardholders are explicitly not eligible to apply, per independent reviews (this restriction isn't addressed in the official MITC). A minimum credit score of Not publicly specified is also recommended.
YES Bank POP-Club Credit Card does not offer airport lounge access.
YES Bank POP-Club Credit Card charges a 3.50% (increased from 3.40%, effective 15 June 2026, confirmed from the official MITC) foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Students →Best Credit Cards for Self-Employed →
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