The YES Bank POP Club Credit Card is a co-branded RuPay card designed for digitally active users who frequently shop online, use UPI, and prefer lifestyle-oriented rewards. Unlike a conventional Credit Card that may focus mainly on reward points, travel benefits, or milestone rewards, this card uses POPcoins that can be redeemed through the POP Club ecosystem.

With no joining fee, UPI support through the RuPay network, online shopping rewards, and partner welcome benefits, the card may appeal to users looking for an entry-level rewards card. However, the annual fee, redemption structure, and category-specific charges should be reviewed before applying.

Here is a detailed look at the YES Bank POP Club Credit Card features, fees, rewards, eligibility, and other important conditions.

What Is the YES Bank POP Club Credit Card?

The YES Bank POP Club Credit Card is issued by YES Bank in partnership with POP Club, a lifestyle rewards platform.

It is issued on the RuPay network, which allows eligible users to link the card to supported UPI apps and make merchant payments through UPI.

The card is primarily structured around POPcoins. These are earned on eligible transactions and can be redeemed through participating brands available on the POP Club platform.

The card does not charge a joining fee, although an annual fee applies unless the required spending threshold is met.

Its features make it more suitable for users who spend regularly online and are comfortable redeeming rewards within the POP Club ecosystem.

YES Bank POP Club Credit Card Key Features

Some of the main features provided with the card include:

• RuPay network.
• ₹0 joining fee.
• ₹399 + GST annual fee.
• Annual fee waiver on ₹1.5 lakh yearly spending.
• POPcoins as the reward currency.
• Rewards on online, offline, and eligible UPI transactions.
• Welcome benefits across selected lifestyle brands.
• UPI support through RuPay.
• No airport lounge access.
• 3.99% monthly interest rate on applicable outstanding balances.

These features place the card in the entry-level rewards category rather than the premium travel-credit-card segment.

How POPcoins Work

The card rewards eligible spending using POPcoins.

The number of POPcoins earned varies according to the payment category.

Online Shopping

Online transactions earn 10 POPcoins per ₹100 spent, according to the supplied product details.

This is one of the stronger reward categories of the card and can be particularly relevant for users who regularly shop through e-commerce websites or apps.

For example, an eligible ₹5,000 monthly online spend would generate 500 POPcoins based on the stated earning rate.

Offline Spending

Offline purchases earn 2 POPcoins per ₹100 spent.

This earning rate is considerably lower than the online shopping rate, so users whose expenses are mainly at physical stores may accumulate rewards more slowly.

UPI Spending

When an eligible transaction is made through the POP UPI app using the RuPay variant, users can receive an additional 5 POPcoins per ₹100.

Combined with the base reward structure described in the supplied content, eligible UPI transactions through the POP app can earn 7 POPcoins per ₹100.

This can make the card more relevant for users who already prefer QR-based merchant payments.

Annual Spending Milestone

Users who reach ₹1.5 lakh in annual spending can receive 1,500 bonus POPcoins.

The same annual spending level is also linked to the annual fee waiver.

This means reaching the threshold can provide both a reward milestone and relief from the annual card fee.

How Can POPcoins Be Redeemed?

POPcoins can be redeemed through the POP Club app across participating brands.

The supplied information states that POPcoins can be used across more than 500 brands.

The value of a POPcoin may vary according to the redemption partner and offer. In selected high-value redemptions, 1 POPcoin can be worth up to ₹1.

However, POPcoins are not the same as direct cashback.

They remain within the POP ecosystem and generally need to be used through eligible POP Club partners.

Users should therefore consider whether the brands available on the platform match their normal spending habits before estimating the real value of the rewards.

YES Bank POP Club Credit Card Fees and Charges

Understanding the charges is important because even a rewards-focused Credit Card can become expensive if balances are carried forward or fee thresholds are crossed.

Joining Fee

The joining fee is ₹0.

This allows eligible new customers to obtain the card without paying an upfront joining charge.

Annual Fee

The annual fee is ₹399 + GST.

It can be waived when annual spending reaches ₹1.5 lakh, based on the supplied terms.

That works out to an average spending level of around ₹12,500 per month.

Interest Rate

The applicable interest rate is stated as 3.99% per month, or 47.88% annually.

This can become significant if outstanding balances are not repaid in full by the applicable due date.

Cash Advance Fee

Cash withdrawals attract a fee of 2.5% of the amount or ₹500, whichever is higher, based on the provided information.

Credit card cash withdrawals can also involve other applicable finance charges, so they should not be treated like normal purchases.

Fuel Surcharge

The card provides a 1% fuel surcharge waiver on eligible transactions up to the stated monthly threshold.

The supplied details also mention a 1% charge on fuel transactions above ₹10,000.

Utility Payment Charges

Utility spends above ₹15,000 per month attract a 1% charge plus GST, according to the supplied January 2026 fee structure.

Users who regularly pay large electricity, gas, or other utility bills should take this into account.

Education Payment Charges

Education-related payments made through third-party applications can attract a 1% charge plus GST.

Late Payment Fee

Late payment fees vary depending on the outstanding balance and can range from ₹0 to more than ₹1,300 according to the supplied fee schedule.

Paying the total amount due on time can help avoid both late payment charges and interest.

Welcome Benefits

The YES Bank POP Club Credit Card includes welcome benefits valued at ₹5,000 according to the supplied content.

The package includes benefits across brands and services such as:

• Blinkit.
• Cleartrip.
• Zomato Gold Mini.
• PharmEasy Plus.
• Rapido.
• Cult Sport.

These benefits are primarily provided as memberships, vouchers, credits, or partner offers rather than cash.

Their practical value depends on whether the cardholder already uses the participating services.

A user who frequently orders food, groceries, or rides may find these offers more useful than someone who rarely uses the listed brands.

Eligibility for the YES Bank POP Club Credit Card

Applicants need to meet the eligibility criteria set out for the card.

Age Requirement

Applicants should generally be between 21 and 60 years old.

Income Requirement

For salaried applicants, the minimum monthly income stated in the supplied content is ₹25,000.

For self-employed applicants, the stated requirement is an annual ITR of ₹7.5 lakh.

Credit Score

A credit score of 700 or above is recommended.

Final approval can still depend on YES Bank's internal assessment and underwriting criteria.

Existing Cardholder Restriction

An important condition is that the POP Club Credit Card is available only to new YES Bank credit card customers, according to the supplied information.

Existing YES Bank credit cardholders are not eligible for this particular variant.

How to Apply

Eligible customers can apply through the YES Bank website or POP Club partner platforms.

The application process may include:

1. Entering personal and income details.
2. Uploading the required documents.
3. Completing KYC.
4. Completing video verification where required.
5. Waiting for the bank's eligibility and credit assessment.

Approval is not automatic and depends on the applicant meeting the bank's requirements.

Advantages of the YES Bank POP Club Credit Card

The card has several features that may be useful for its intended customer segment.

The zero joining fee lowers the upfront cost of getting the card.

Online shopping earns more POPcoins than offline spending, which can suit digitally active users.

RuPay support makes the card suitable for eligible UPI merchant payments.

The welcome package may also offer additional value for people already using the partner platforms.

Finally, reaching ₹1.5 lakh in annual spending can provide both an annual fee waiver and milestone POPcoins.

Important Limitations to Consider

The card also has some limitations.

There is no airport lounge access, so users looking for travel-focused benefits may need a different card.

POPcoins cannot be directly treated as bank cashback. They are primarily redeemed within the POP Club ecosystem.

Offline spending receives fewer POPcoins than online spending.

Existing YES Bank credit cardholders are excluded from applying for this card based on the supplied eligibility rules.

Heavy utility, fuel, or education-related spending can also attract additional charges when applicable thresholds or payment conditions are met.

YES Bank POP Club Card vs Kiwi Klick Card

Both cards are associated with YES Bank and support RuPay-based UPI payments, but their reward structures differ.

The POP Club card focuses on POPcoins, particularly for online shopping and transactions made through the POP ecosystem.

Kiwi Klick, based on the supplied comparison, focuses more on direct cashback for eligible UPI spending and has a lifetime-free annual fee structure.

The POP Club card has a ₹399 + GST annual fee unless the ₹1.5 lakh spending threshold is reached, while Kiwi Klick is listed as lifetime free in the supplied comparison.

The more suitable structure therefore depends on whether a user prefers POPcoins and online-shopping rewards or direct cashback on UPI merchant spending.

Conclusion

The YES Bank POP Club Credit Card combines online shopping rewards, eligible UPI payments, POPcoins, welcome benefits, and a relatively low annual fee structure.

As a Credit Card, its strongest features are the ₹0 joining fee, higher POPcoin earning rate on eligible online shopping, RuPay UPI support, and annual fee waiver after ₹1.5 lakh in spending.

However, users should also consider that POPcoins are largely tied to the POP Club ecosystem, airport lounge access is not included, and some utility, fuel, education, cash withdrawal, and overdue-payment situations can attract additional charges.

Before applying, compare your normal spending pattern with the card's online, offline, and UPI reward structure and review the latest applicable YES Bank and POP Club terms.

Frequently Asked Questions

What Is the Annual Fee for the YES Bank POP Club Credit Card?

The annual fee is ₹399 + GST and is waived when eligible annual spending reaches ₹1.5 lakh.

Does the YES Bank POP Club Credit Card Support UPI?

Yes, the RuPay-based card supports eligible merchant UPI payments through supported UPI payment flows.

Can Existing YES Bank Credit Cardholders Apply for the POP Club Card?

No, according to the supplied eligibility terms, the card is available only to new YES Bank credit card customers.