If you’re on the hunt for a digital credit card then, the Yes Bank POP‑Club Credit Card might just be your new best friend.
No joining fee, easy POPcoins on everything you spend (especially online and on UPI), plus fun bonuses with your favorite apps like Zomato, Blinkit and Cleartrip. The credit card is built to make your everyday spends a little more rewarding, without any hidden strings.
Let’s dive into what makes it tick, who can get one, and how it stacks up against other RuPay cards.
Key Features of the POP‑Club Credit Card
- Zero Joining Fee: No fee to get started—so you can dive into rewards right away.
- Welcome Bonus: 500 POPcoins (worth up to ₹500) upon activation.
- Rewards Earning:
- 10 POPcoins per ₹100 spent online.
- 2 POPcoins per ₹100 on offline spends.
- Additional 5 POPcoins per ₹100 on UPI transactions via the POP Club app.
- Accelerated POPcoins across 500+ brands when you shop through the POP Club app.
- Milestone Bonus: 1,500 POPcoins on spending ₹1.5 lakh in a year.
- Partner Perks:
- 5 free Blinkit deliveries.
- ₹750 Cleartrip voucher + free cancellations/rescheduling at ₹1.
- 3 months Zomato Gold Mini.
- 6 months PharmEasy Plus.
- 2 free Rapido rides/month (worth ₹100 each).
- ₹500 Cult Sport voucher.
- Fuel Surcharge Waiver: 1% on all fuel transactions.
Eligibility Criteria for Yes Bank POP Credit Card
You’re eligible if you:
- Are aged 21–60 years.
- Are salaried or self‑employed with a steady income.
- Have a minimum net salary of ₹25,000/month or ITR ≥₹5 lakh.
- Note: Existing Yes Bank credit cardholders cannot apply for POP‑Club.
Required documents: PAN, Aadhaar (e‑KYC), income proof (payslip/ITR), ID & address proof.
How to Apply for Pop Club Credit Card Online?
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Visit the Yes Bank website and find the POP‑Club Credit Card page.
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Click “Apply Now” to start the online form.
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Fill in your name, mobile number, DOB and PAN details.
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Complete e‑KYC with Aadhaar OTP or biometric scan.
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Upload your income proof (payslip or ITR).
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Review and submit your application. You’ll get a confirmation SMS.
Fees & Charges
- Lifetime Free Credit Card
- Interest Rate: 3.99%/month (47.88% p.a.) on revolving credit, cash advances, overdue.
- Transaction Fees:
- Rental: 1% or ₹199 (whichever higher), capped at 3 txns/30 days.
- Wallet: 1% or ₹1 (whichever higher).
- Utility: 1% + GST on spends >₹15,000/month (max ₹3,000).
- Education: 1% + GST on third‑party ed‑tech spends >₹1; max ₹5,000.
- Fuel: 1% + GST on spends >₹10,000 (max ₹5,000/mo).
Yes Bank POP Credit Card Comparison with Other Digital RuPay Cards
Card | Joining/Annual Fee | UPI Rewards | Offline Rewards | Special Perk | |
---|---|---|---|---|---|
Yes Bank POP‑Club | Lifetime Free Credit Card | 5 POPcoins/₹100 | 2 POPcoins/₹100 | Partner perks (Zomato, Blinkit, etc.) | |
IndusInd Platinum RuPay | ₹0 / ₹0 | 2 RP/₹100 → UPI | 1 RP/₹100 | 12 domestic lounge visits/yr | |
Kiwi (Yes Bank) | ₹0 / ₹0 | 1–5% cashback* | N/A | Cashback straight to statement | |
Axis Bank SuperMoney | ₹0 / ₹0 | 3% cashback (₹500 cap/mo) | 1% cashback (subject to caps) | Co‑brand with Super.money fintech | |
Airtel Axis RuPay | ₹500 / ₹500 (waived on spend) | N/A | 25% cashback (Airtel bills), 10% utilities | Amazon ₹500 voucher on 1st txn |
Which One Should You Choose?
- Go for POP‑Club if: You frequently shop online/UPI via POP Club, love partner perks (food, travel, pharma), and want a versatile, zero‑join‑fee rewards ecosystem.
- Choose IndusInd Platinum if: You value free lounge access alongside solid UPI rewards (2 RP/₹100).
- Pick Kiwi if: You want straightforward cashback (1–5%) on UPI without worrying about points or annual fees.
- Opt Axis SuperMoney if: You’re a Super.money user looking for high UPI cashback and a fully digital experience.
Conclusion
The Yes Bank POP‑Club Credit Card is a Lifetime Free Credit Card. The RuPay Credit card comes with POPcoins rewards and app‑based perks. You get POPcoins on every transactions which can be redeemed for benefits across various categories.
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