YES BANK POP-CLUB Credit Card
YES BANK · RuPay · Entry card
A low-fee UPI card with useful everyday-partner benefits and a reachable fee waiver for regular users.
Entry-level cardholders who use UPI and the POP partner ecosystem.
Terms checked 23 Sept 2026
- Annual fee
- ₹399 + GST
- Joining fee
- ₹0
- Base reward rate
- 2%
- Forex markup
- 3.4%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 10% |
| Groceries & essentials | 2% |
| Dining & delivery | 2% |
| Travel & hotels | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Education & family | 2% |
| Healthcare & pharmacy | 2% |
| Subscriptions & streaming | 2% |
| Offline store shopping | 2% |
| International spending | 2% |
| Gold & jewellery | 2% |
| Insurance premiums | 2% |
| Other miscellaneous | 2% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 2 items
Online POPcoin bonus
Usage-based valueEight incremental POPcoins plus the two-coin base produce 10 POPcoins per ₹100 on eligible online purchases.
Base POPcoins
Usage-based valueTwo POPcoins per ₹100 on other eligible purchases; one POPcoin equals ₹1.
Fees · 1 item
Annual card fee
Cost ₹399₹399 annual fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹399Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Exclusions: rent · billsUtilities
₹399 renewal fee waived at ₹1.5 lakh eligible anniversary-year spend
Shown without a cash value
Welcome benefits · 2 items
Up to ₹2,000 joining package
Shown without a cash valueThe issuer-partner advertises a conditional joining package but does not publish a fixed universally redeemable composition on the current page.
Conditions: Complete the applicable activation and partner-offer conditions · Actual value depends on current issuer-partner fulfilment
Up to ₹2,000 of joining benefits under current issuer-partner fulfilment terms
Shown without a cash value
Spend milestones · 1 item
1,500 POPcoins at ₹1.5 lakh anniversary spend
1,500 reward unitsUnlocked after ₹1,50,000 of eligible spending.
Conditions: Reach ₹1,50,000 per card anniversary year
Exclusions: rent · billsUtilities
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.4% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed product and MITC sources do not publish a universal numeric income threshold.
Other benefits · 5 items
Partner privileges across Blinkit, Zomato, Cult.fit, PharmEasy, Rapido and Cleartrip
Shown without a cash value1% fuel-surcharge waiver on eligible ₹1,000-₹3,500 transactions, capped at ₹100 per statement cycle
Shown without a cash valueTen POPcoins per ₹100 on eligible online purchases
Shown without a cash valueTwo POPcoins per ₹100 on other eligible purchases and current POP UPI payments
Shown without a cash valueOne POPcoin equals ₹1 across the POP ecosystem
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Ten POPcoins per ₹100 on eligible online purchases
- ✓ Two POPcoins per ₹100 on other eligible purchases and current POP UPI payments
- ✓ One POPcoin equals ₹1 across the POP ecosystem
- ✓ ₹399 renewal fee waived at ₹1.5 lakh eligible anniversary-year spend
What to watch
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.
Recorded exclusions
Fuel Commute · Bills Utilities · Rent · Wallet load · Government payments · Marketing advertising · Cash withdrawal · Post purchase emi · Instant emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026