Lifestyle rewards
YES Bank POP-CLUB Credit Card
A first-year-free RuPay card that earns POPcoins on online shopping and UPI, with about ₹5,000 of partner vouchers when you join.
Joining feeNil
Annual fee₹399 + GST from year 2
Fee waiverOn ₹1.5 lakh spend a year
Top reward10 POPcoins per ₹100 online
LoungeNone
Forex markup3.4%
Best for: Young UPI users who shop online and are happy to redeem through the POP app.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Online spends | 10 POPcoins per ₹100 | – |
| UPI through the POP UPI app | 7 POPcoins per ₹100 | – |
| Other offline spends | 2 POPcoins per ₹100 | – |
| Fuel, rent, wallet loads, government, utilities, insurance, EMI | Nothing | – |
- POPcoins are redeemed in the POP Club app at 500+ brands, worth up to ₹1 each.
- They cannot be taken as cash.
Benefits
Welcome benefit
- 500 POPcoins on activation.
- Partner vouchers and memberships worth about ₹5,000, including a ₹750 Cleartrip voucher and Zomato Gold.
Milestones
- 1,500 bonus POPcoins on ₹1.5 lakh yearly spend.
- 400 POPcoins when you pay the renewal fee.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹300 a month.
- Forex markup 3.4%.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | Nil |
|---|---|
| Annual fee | ₹399 + GST from year 2, waived on ₹1.5 lakh spend |
| Interest | 3.99% a month |
| Forex markup | 3.4% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried: ₹25,000 a month
- Self-employed: ₹7.5 lakh ITR
- New YES Bank card customers only
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Free first year
- Rewards on UPI
- Big welcome voucher pack
Watch out for
- Coins only usable in the POP app
- No lounge access
- High 3.99% interest
Recent changes
- Jan 20261% fee on utility payments above ₹15,000 a month.
Frequently asked questions
Is YES POP-CLUB free?
The first year is free; after that ₹399 + GST, waived on ₹1.5 lakh yearly spend.
Ready to apply for the YES Bank POP-CLUB Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: Paisabazaar · Kiwi. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.