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| Feature | RBL Bank RBL Bank Cookies Credit Card | YES BANK YES BANK POP-CLUB Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | YES BANK |
| Network | Mastercard + RuPay | RuPay |
| Annual fee | ₹1,200 + GST per year | ₹399 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,50,000 annual spending |
| Base reward rate | 0.2% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 0.2% · Myntra cashback | 10% · Online POPcoin bonus |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Myntra cashback: ₹300/month · Zomato cashback: ₹300/month · Uber cashback: ₹300/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.4% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Consistent online and UPI spenders able to cross ₹5,000 every month. | Entry-level cardholders who use UPI and the POP partner ecosystem. |
| Main trade-off | This is a ₹100 monthly-fee product, not a conventional ₹1,200 annual-fee card. Missing even one monthly spend target can trigger that month’s fee, and regulated categories are excluded from rewards and the waiver. | The issuer-partner page advertises up to ₹2,000 joining benefits but does not publish a fixed universally redeemable cash composition, so GainFair assigns no guaranteed welcome value. Rent, wallet, utility, fuel, government and marketing/advertising transactions do not earn. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
