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YES Bank POP-CLUB Credit Card
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App-Based CardApp-based · RUPAY · Entry tier

YES Bank POP-CLUB Credit Card

The YES Bank POP-CLUB is an app-first RuPay credit card from the POP (POPclub) app, built around POPcoins. The headline numbers look enormous — 10 POPcoins per ₹100 online, 2 per ₹100 offline, 2% in POPcoins on POP UPI — because POP markets a POPcoin as being worth ₹1. It is not a rupee. POP's own terms state POPcoins "cannot be converted to cash or any material or anything of monetary value" and cannot on their own pay for a purchase; they are a discount applied inside POPshop, in amounts POP sets and changes, on a catalogue whose prices POP also sets. POP may also let you put POPcoins towards some recharges and bill payments, at its discretion and at no published rate. We value a POPcoin at about ₹0.10, which makes the 10-per-₹100 online rate about 1% and everything else about 0.2%. Coins also expire 365 days after they are credited. There is no joining fee; the ₹399 annual fee is waived at ₹1.5 lakh annual spend, and crossing that bar adds 1,500 POPcoins (≈₹150). Existing YES Bank credit cardholders cannot apply.

CardAdvisor does not issue cards, take applications, or act as an agent or broker for YES Bank. Apply opens an affiliate network link; the application journey may run on a partner platform, and your application is decided by YES Bank.

POPENTRY
YES Bank POP-CLUB Credit Card
POP
YES Bank POP-CLUB Credit Card

Illustration by CardAdvisor — not a depiction of the issued card. Independent; not affiliated with POP.

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★ 2.8 / 5 · CardAdvisor rating•Issued by YES Bank · RUPAY•App-based card•Updated
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2.8
out of 5
Entry tier
The rate card and the reality are two different things. Ten POPcoins per ₹100 reads like a 10% online card and is closer to 1%, because a POPcoin is a capped, expiring discount inside POP's own shop rather than money — POP's terms say so explicitly. The welcome bundle is the most reliable value here, and it is one-off. Against ₹399 plus GST and a ₹1.5 lakh waiver bar, a plain 1.5%-or-better cashback card beats it for almost everyone.
Annual fee₹471 incl. GST
Fee waiver₹1,50,000 spend
Top rate~0.2%–1%
Best forSomeone who already shops the POPclub brands at POPclub prices
~₹2,000
Welcome benefit
₹25,000
Min income / month (salaried)
3.5%
Forex markup
~₹150
Total perk value / yr

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹2,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days

⭐

1% on Online Shopping

10 POPcoins per ₹100 online, capped at 6,000 POPcoins a month (500 per transaction). POP markets a POPcoin as ₹1, but its terms bar converting POPcoins to cash and give no rate for bills or recharges; we value one at about ₹0.10, so this is about 1%. Coins expire 365 days after they are credited

⭐

0.2% on Other

2 POPcoins per ₹100 on offline spends, and 2% in POPcoins on POP UPI payments — about 0.2% at our valuation of about ₹0.10 a POPcoin

💳

Annual Fee Waiver

Fee of ₹399 + 18% GST (₹471 all-in)/yr fully waived when you spend ₹1,50,000/year

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions, capped at ₹100/month

🎯

Milestone Bonus

~₹150 in bonus rewards on hitting annual spend milestones

📱

UPI Linked

Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.

Who is this for?

Someone already living inside the POP app who reliably buys, at POPshop's prices, from the brands POPcoins discount. If you want rewards you can bank, this is not that card.

Full reward structure

What you earn on every rupee, per spend category — as of 27 Oct 2026. Rates assume 1 pt = ₹0.10. How we value points →

CategoryTypeRateMonthly cap
Online Shoppingreward points1%10 pts/₹100 × ₹0.10₹600
Otherreward points0.2%2 pts/₹100 × ₹0.10—

Online Shopping: 10 POPcoins per ₹100 online, capped at 6,000 POPcoins a month (500 per transaction). POP markets a POPcoin as ₹1, but its terms bar converting POPcoins to cash and give no rate for bills or recharges; we value one at about ₹0.10, so this is about 1%. Coins expire 365 days after they are credited

Other: 2 POPcoins per ₹100 on offline spends, and 2% in POPcoins on POP UPI payments — about 0.2% at our valuation of about ₹0.10 a POPcoin

Earns nothing on: Fuel · Rent · Wallet Loads · Government & Tax · Utility Bills · Insurance · EMI Conversions · Cash Advances · Education · Marketing or advertising merchants and POI funding transactions earn no POPcoins

These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 27 Oct 2026.

Real annual cost: ₹399 + 18% GST = ₹471 all-in. Issuers quote fees before tax — the all-in figure is what you actually pay if the waiver isn’t met.
ChargeAmount
Annual fee (incl. 18% GST)₹471
Joining fee (incl. 18% GST)Free
Finance charge (APR)3.99% p.m.
Forex markup3.5%
Fuel surcharge waiver1%, cap ₹100

Perks & benefits

Estimated annual value beyond rewards — ~₹150/yr in total.

🎯
milestone bonus~₹150/yr

1,500 bonus POPcoins (≈₹150) on crossing ₹1.5 lakh annual spend, which also waives the ₹399 fee. Below that bar you get 400 POPcoins — ≈₹40 against a fee of ₹399 plus GST, not an offset

Domestic

Spend milestone

  • ₹1,50,000 a year₹150 of value

Should you get it?

  • Best for: Someone who already shops the POPclub brands at POPclub prices, A no-fee second card for online spend, held for the welcome bundle
  • Entry tier — great for first-time and lower-spend users.
  • Strongest value if you spend heavily on Online Shopping (1% back).

Pros & cons

✓ Pros

  • High POPcoin earning online — 10 per ₹100, most useful if you shop POPshop brands anyway
  • No joining fee, and the ₹399 annual fee is waived at ₹1.5 lakh spend
  • Welcome bundle of partner vouchers and memberships — the most dependable value the card offers
  • RuPay/UPI card with an instant virtual card, usable on any UPI app

✕ Cons

  • A POPcoin is not ₹1 — POP publishes no cash rate for it, and at our valuation of about ₹0.10 the headline 10-per-₹100 online rate is worth about 1%
  • POP's own terms say POPcoins cannot be converted to cash and cannot by themselves pay for a purchase
  • POPcoins expire 365 days after they are credited
  • How many POPcoins you may spend on an order is set by POP and changes, and POP also sets the prices in the shop where you spend them
  • The ₹399 fee is only fully waived at ₹1.5 lakh annual spend; the 400-POPcoin consolation is ≈₹40
  • Since 1 June 2026 the 1% fuel-surcharge waiver covers only fuel transactions of ₹1,000 to ₹3,500, up to ₹100 a statement cycle, and never fuel paid by UPI
  • Not open to anyone who already holds a YES Bank credit card

Eligibility & documents

Age21–60 years
Min. income (salaried)₹25,000/mo

This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.

EmploymentSalaried · Self-employed

Documents required

  • 📄PAN card
  • 📄Aadhaar / valid address proof
  • 📄Income proof — salary slips (salaried) or ITR (self-employed)

How to redeem rewards

Ways to convert what you earn into real value.

  • 🎁Redeem POPcoins as a discount on 500+ brands in the POPclub app — the amount POP lets you apply to an order varies and is set by POP
  • 🎁POP may let you use POPcoins for discounts or cashback on some recharges and bill payments, at its discretion and at no published rate
  • 🎁POPcoins expire 365 days from the date they are credited
  • 🎁POP's terms also forfeit UPI cashback held in its Cashback Zone after 30 days without a POP UPI payment

What your YES Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement credit

Capped at 50% of the point balance; ₹100 + GST per redemption request

₹0.10/pt
E-gift voucher (EGV)

Capped at 50% of the balance and ₹25,000 a calendar month

₹0.15/pt
Flights & hotelsBEST

YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights

₹0.25/pt
Compare what every reward currency is worth →
The concern

A POPcoin is not a rupee. POP's own terms say POPcoins cannot be converted to cash and cannot by themselves pay for anything — they discount purchases inside POP's app, by an amount POP decides, and expire in 365 days. The advertised 10-per-₹100 is worth roughly 1%.

Frequently asked questions

Can I use the POP-CLUB card on UPI?
Yes — it is a RuPay card; link it to any UPI app and pay by scanning QR codes. Paying through POP's own UPI earns 2% back in POPcoins.
What are the fees on the POP-CLUB card?
There is no joining fee. The ₹399 annual fee (plus GST) is waived if you spend ₹1.5 lakh in a year. Below that you receive 400 POPcoins, which is worth about ₹40 — not an offset for the fee.
Is a POPcoin really worth ₹1?
POP markets a POPcoin as being worth ₹1, but its own terms say POPcoins cannot be converted to cash and cannot on their own pay for a purchase — they discount orders inside POPshop, by an amount POP sets. POP may also let you use them against some recharges and bill payments, but it publishes no rate, so we value them at about ₹0.10. They expire 365 days after they are credited.
How do POPcoins work?
You earn 10 POPcoins per ₹100 online (capped at 6,000 a month, 500 per transaction), 2 POPcoins per ₹100 offline, and 2% in POPcoins on POP UPI. At our valuation of about ₹0.10 a coin, that is roughly 1% online and 0.2% elsewhere.
Which bank issues the POP-CLUB card?
The card is issued by YES Bank in partnership with the POP (POPclub) app; you apply and manage it in the app.
Can existing YES Bank credit cardholders get the POP-CLUB card?
No. YES Bank's POP-CLUB page says existing YES BANK credit cardholders are not eligible for this card. Other applicants need to be 21 to 60 and salaried or self-employed, with a net salary of at least ₹25,000 a month or an ITR of ₹7.5 lakh.
How has the YES Bank POP-CLUB Credit Card changed over time?
Our dated Value Timeline for the YES Bank POP-CLUB Credit Card (on this page) records 4 changes since 2024: 3 devaluations, 0 improvements, and the rest neutral changes such as launches or restructures. The most recent entry: Forex markup raised from 3.40% to 3.50% (15 June 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents.
Has the YES Bank POP-CLUB Credit Card been devalued recently?
Yes — our record shows 3 devaluations to the YES Bank POP-CLUB Credit Card in the last 24 months. The most recent: Forex markup raised from 3.40% to 3.50%, effective 15 June 2026 — from 3.40% to 3.50%. The full dated list, with what changed and its source, is in the Value Timeline on this page.
When did the YES Bank POP-CLUB Credit Card's fees last change?
15 June 2026: Forex markup raised from 3.40% to 3.50% — from 3.40% to 3.50%. The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.
How did the YES Bank POP-CLUB Credit Card change in 2026?
Our record shows 3 changes to the YES Bank POP-CLUB Credit Card in 2026 (3 cuts): Fuel surcharge waiver narrowed to ₹1,000–₹3,500 fills, capped at ₹100 a cycle (1 June 2026); Education payments stop earning POPcoins (1 June 2026); Forex markup raised from 3.40% to 3.50% (15 June 2026). The biggest single change: before 15 June 2026 it was 3.40%; from then on, 3.50%. Every event, dated and sourced, is in the Value Timeline on this page.

The bottom line

The rate card and the reality are two different things. Ten POPcoins per ₹100 reads like a 10% online card and is closer to 1%, because a POPcoin is a capped, expiring discount inside POP's own shop rather than money — POP's terms say so explicitly. The welcome bundle is the most reliable value here, and it is one-off. Against ₹399 plus GST and a ₹1.5 lakh waiver bar, a plain 1.5%-or-better cashback card beats it for almost everyone.

Apply →Estimate my rewardsIs this YOUR best card? →

How this page was built

Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.

Last updated 27 Oct 2026.

Sources & verification

Fees, reward rates, and benefits for the YES Bank POP-CLUB Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 27 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2024 · last change Jun 2026

▲ Revaluation▼ Devaluation◆ Neutral / reversed

2026

  1. ▼ FeeEffective 15 Jun 2026

    Forex markup raised from 3.40% to 3.50%

    3.40%→3.50%

    YES Bank's MITC V18 raises the POP-CLUB card's foreign-currency markup from 3.40% to 3.50% of the transaction, effective 15 June 2026.

    Verification: YES Bank ↗ · Confidence: High

  2. ▼ RewardEffective 1 Jun 2026

    Education payments stop earning POPcoins

    No POPcoins on education transactions

    YES Bank's POP-CLUB terms add education to the spends that earn no POPcoins, with effect from 1 June 2026. Online and offline earning on other spends is unchanged.

    Verification: YES Bank ↗ · Confidence: High

  3. ▼ BenefitEffective 1 Jun 2026

    Fuel surcharge waiver narrowed to ₹1,000–₹3,500 fills, capped at ₹100 a cycle

    1% on ₹400 to ₹5,000 transactions, up to ₹300 a statement cycle→1% on ₹1,000 to ₹3,500 transactions, capped at ₹100 a statement cycle

    From 1 June 2026 YES Bank limits the POP-CLUB fuel-surcharge waiver to fuel transactions of ₹1,000 to ₹3,500, with at most ₹100 waived in a statement cycle, down from ₹400 to ₹5,000 and ₹300. A fill above ₹3,500 no longer qualifies.

    Verification: YES Bank ↗ · Confidence: High

2024

  1. ◆ LaunchEffective 29 Aug 2024

    POP-CLUB card launched at Global Fintech Festival

    Fintech start-up POP launched the POP-CLUB card in partnership with RuPay and YES Bank at the Global Fintech Festival in Mumbai, billed as India's first multi-brand co-branded credit card. It is an app-first RuPay/UPI card earning POPcoins — 10 per ₹100 online, 2 per ₹100 offline and 5% instant on POP UPI payments, with accelerated earning across brands such as Zomato, Blinkit, Cult, Rapido and Cleartrip. No joining fee, a ₹399 annual fee waived at ₹1.5 lakh spend, and welcome benefits worth up to ₹5,000.

    Verification: CardAdvisor Research · Confidence: High

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: <a href="https://cardadvisor.in/cards/pop-club#value-timeline">YES Bank POP-CLUB Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).

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