Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
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| Feature | YES BANK YES BANK POP-CLUB Credit Card | HDFC Bank HDFC Bank Freedom Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK | HDFC Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹399 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 2% | 0.1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 10% · Online POPcoin bonus | 0.1% · RuPay UPI points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | 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 | 3.4% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹12,000/month salaried · ₹16,667/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Entry-level cardholders who use UPI and the POP partner ecosystem. | First-time HDFC applicants who prioritise low eligibility thresholds over a high base earn rate. |
| Main trade-off | 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. | Base value back is only 0.075% at ₹0.15 per CashPoint. Accelerated merchants and regulated categories have separate ceilings, exclusions and minimum transaction rules. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
