Yes Bank POP-CLUB Credit Card review: fees, rewards and eligibility
The Yes Bank POP-CLUB Credit Card has a recorded annual fee of ₹399 plus GST and a base earn of 2 POPcoins per ₹100 on eligible non-online retail spend. CardMasters checked its issuer terms on 2026-08-11. Affiliate commission never changes ranking; confirm final terms and approval with Yes Bank.
Yes Bank POP-CLUB Credit Card: short answer
The Yes Bank POP-CLUB Credit Card is in the entry tier of Yes Bank credit cards, with a joining fee of ₹0, an annual fee of ₹399 plus GST (waived on ₹1,50,000 of eligible annual spend), a base earn of 2 POPcoins per ₹100 on eligible non-online retail spend and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, utility, government. It suits online shopping, upi credit, first card spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-11. Confirm final terms with the issuer.
Reward structure
2 POPcoins per ₹100 on eligible non-online retail spend
- 10 POPcoins per ₹100 on eligible online spend on online spend
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. YES BANK does not publish a numeric income or bureau-score floor for this card; approval remains subject to issuer underwriting. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, utility, government, marketing advertising, cash advance, fees.
Important limit: CardMasters models ₹0.50 per POPcoin conservatively from POP's current 5%-back claim and YES BANK's published 10 POPcoins per ₹100 online earn; actual POP-app redemption options can vary.
Frequently asked questions
What is the annual fee for the Yes Bank POP-CLUB Credit Card?
The published annual fee in our current record is ₹399 plus applicable GST. It can be waived after ₹1,50,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the Yes Bank POP-CLUB Credit Card?
2 POPcoins per ₹100 on eligible non-online retail spend. Accelerated routes include 10 POPcoins per ₹100 on eligible online spend on online spend. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Yes Bank POP-CLUB Credit Card?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, utility, government, marketing advertising, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Yes Bank POP-CLUB Credit Card?
It is most relevant for people focused on online shopping, upi credit, first card. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Yes Bank POP-CLUB Credit Card worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹399 plus GST each year. The fee is waived at ₹1,50,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the Yes Bank POP-CLUB Credit Card?
YES BANK does not publish a numeric income or bureau-score floor for this card; approval remains subject to issuer underwriting. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Yes Bank POP-CLUB Credit Card?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Yes Bank POP-CLUB Credit Card offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.