Both cards compared on real rupee returns for YES POP-Club vs RBL SalarySe UP which better RuPay shopping card India. We ran the numbers so you can make the right call.
Last updated: September 2026 · Based on current card terms
YES
POP-CLUB
ASHOK KUMAR
VS
RBL
SALARYSE UP
ASHOK KUMAR
Our verdict
YES Bank POP-Club Credit Card wins for most people
Card A delivers ₹3,201 annual benefit versus Card B's -₹283 loss. Card A wins decisively for this ₹10,000/month spend profile, offering superior rewards on online shopping and dining despite redemption constraints.
Side-by-side comparison
YES Bank POP-Club Credit Card ✓RBL Bank SalarySe UP Credit Card
Annual benefit₹3,201-₹283
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)₹499 + GST joining and renewal (renewal waived on ₹2,00,000 spend in the preceding 12-month anniversary year)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition →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 cashback1 reward point per ₹100 on eligible online/offline spends; 5 RP per ₹100 on SalarySe UPI spends up to ₹20,000/month, capped at 1,000 points/month; 10 RP per ₹100 on incremental SalarySe UPI spends above ₹20,000/month, capped at 8,000 points/month; redeemable at ₹0.20 per point via the SalarySe app (no fee) or ₹0.10 per point via the RBL Rewards Portal (plus a ₹99+GST redemption fee)
Best forFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashbackUPI-heavy spenders on the SalarySe platform wanting a fully virtual, low-fee RuPay card
Card A excels when you shop online frequently and actively redeem POPcoins within the POP Club app's 80+ partner brands. Your ₹4,000 monthly shopping spend generates substantial rewards here, making it ideal for curated brand redemptions.
RBL Bank SalarySe UP Credit Card
Card B suits UPI-heavy spenders exclusively using SalarySe platform. However, with only ₹1,000 monthly UPI spend in your profile, it fails to activate the 5-10x multiplier benefits, resulting in net losses after fees.
· ₹2,000 dining spend earns bonus POPcoins on partner restaurants within the app ecosystem
· Annual benefit of ₹3,201 outweighs Card B by ₹3,484 for your exact spend pattern
Get RBL Bank SalarySe UP if you…
· Only if you spend ₹20,000+/month exclusively via SalarySe UPI to unlock 5-10x multipliers
· Requires heavy UPI adoption; your current profile doesn't justify the ₹499 annual fee
· Better suited for fully digital, salary-account-integrated spenders, not general shopping profiles
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Based on our analysis, YES Bank POP-Club Credit Card offers better annual returns for most spend profiles.
YES Bank POP-Club Credit Card has an annual fee of ₹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). RBL Bank SalarySe UP Credit Card has an annual fee of ₹499 + GST joining and renewal (renewal waived on ₹2,00,000 spend in the preceding 12-month anniversary year).
YES Bank POP-Club Credit Card offers 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. RBL Bank SalarySe UP Credit Card offers 1 reward point per ₹100 on eligible online/offline spends; 5 RP per ₹100 on SalarySe UPI spends up to ₹20,000/month, capped at 1,000 points/month; 10 RP per ₹100 on incremental SalarySe UPI spends above ₹20,000/month, capped at 8,000 points/month; redeemable at ₹0.20 per point via the SalarySe app (no fee) or ₹0.10 per point via the RBL Rewards Portal (plus a ₹99+GST redemption fee).
YES Bank POP-Club Credit Card lounge access: None. RBL Bank SalarySe UP Credit Card lounge access: None.
YES Bank POP-Club Credit Card charges 3.50% (increased from 3.40%, effective 15 June 2026, confirmed from the official MITC) forex markup. RBL Bank SalarySe UP Credit Card charges Not publicly specified; this is a virtual-only card not marketed for international use forex markup.