Axis Bank Cashback vs Yes Bank POP-CLUB Credit Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Axis Bank Cashback and Yes Bank POP-CLUB Credit Card differ first on recurring cost: Axis Bank Cashback has an annual fee of ₹1,000 + GST against ₹399 + GST for Yes Bank POP-CLUB Credit Card, so Yes Bank POP-CLUB Credit Card is cheaper to hold. On rewards, Axis Bank Cashback earns 0.75% statement cashback on eligible offline and travel spend while Yes Bank POP-CLUB Credit Card earns 2 POPcoins per ₹100 on eligible non-online retail spend. Both publish the same 3.5% forex markup. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
| Feature | Axis Bank Cashback | Yes Bank POP-CLUB Credit Card |
|---|---|---|
| Issuer | Axis Bank | Yes Bank |
| Joining fee | ₹1,000 + GST | ₹0 |
| Annual fee | ₹1,000 + GST | ₹399 + GST |
| Fee waiver | ₹4,00,000 annual eligible spend | ₹1,50,000 annual eligible spend |
| Base rewards | 0.75% statement cashback on eligible offline and travel spend | 2 POPcoins per ₹100 on eligible non-online retail spend |
| Accelerated routes | eligible online spend excluding travel · eligible utility bill payments | 10 POPcoins per ₹100 on eligible online spend |
| Reward exclusions | transportation, tolls, insurance, education, jewellery, precious metals, watches, government, wallet load, rent, fuel | fuel, rent, wallet load, utility, government, marketing advertising, cash advance, fees |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | Not recorded — confirm with issuer | 1% fuel-surcharge waiver on eligible ₹400–₹5,000 transactions, capped at ₹300 per statement cycle |
| Domestic lounge | none | none |
| International lounge | none | none |
| Card networks | Visa, Mastercard | RuPay |
| Best suited to | cashback, online shopping, travel | online shopping, upi credit, first card |
| Issuer evidence | Checked 2026-08-23 | Checked 2026-08-11 |
Frequently asked questions
Is the Axis Bank Cashback better than the Yes Bank POP-CLUB Credit Card?
Neither is universally better. Axis Bank Cashback charges ₹1,000 + GST a year and earns 0.75% statement cashback on eligible offline and travel spend; Yes Bank POP-CLUB Credit Card charges ₹399 + GST and earns 2 POPcoins per ₹100 on eligible non-online retail spend. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Axis Bank Cashback or Yes Bank POP-CLUB Credit Card?
Yes Bank POP-CLUB Credit Card has the lower recorded annual fee at ₹399 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, Axis Bank Cashback or Yes Bank POP-CLUB Credit Card?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.