YES Bank POP-CLUB Credit Card Review (2026): POPcoins, UPI RuPay & Fees
Quick answer The YES Bank POP-CLUB Credit Card (also searched as yes bank pop credit card or yes pop club credit card) is a RuPay co-brand with POP Club: ₹0 joining fee, ₹399 + GST renewal (waived at ₹1.5 lakh/year retail spend on standard offers; some users get a lifetime-free variant per issuer KFS). Earn POPcoins on spends (typically 10 POPcoins per ₹100 online, 2 offline, extra via POP UPI in the app). No routine complimentary airport lounge on this product tier — lounge charges apply if you access without eligibility. Best if you already use the POP Club app for shopping rewards; compare with Kiwi RuPay UPI if you only want flat UPI cashback.
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Searches for yes bank pop credit card benefits, yes pop rupay credit card, pop credit card apply, and yes bank pop credit card lounge access usually mean this POP-CLUB line. This review covers POPcoins earn, welcome bundles, UPI on RuPay, fees from YES Bank’s KFS, eligibility, application status, and kiwi vs pop credit card — using issuer documents and POP partner disclosures, not headline “10% cashback” marketing alone.
Verify before you apply: YES Bank — POP-CLUB Credit Card · YES Bank credit card Key Fact Statement (PDF) · POP Club app (Google Play)
Key benefits
Summary of marketed benefits for YES Bank POP-CLUB Credit Card (May 2026 — confirm on issuer MITC before applying):
- 5% cashback on POP UPI transactions with POP Card
- 500 POP Coins on successful card activation
- 1,500 POP Coins on linking card
- Vouchers from Zomato, PharmEasy, Cleartrip
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | YES Bank POP-CLUB (typical offer) |
|---|---|
| Network | RuPay credit card — UPI on credit via POP Club app where supported |
| Joining fee | Nil (KFS) |
| Annual / renewal fee | ₹399 + GST unless ₹1.5 lakh retail spend in card anniversary year (fee waiver); lifetime-free variant exempt per KFS footnote |
| POPcoins earn | 10 POPcoins / ₹100 online · 2 / ₹100 offline · extra on POP UPI in app (partner T&Cs) |
| Welcome / activation | Marketing bundles (Blinkit, Cleartrip, Zomato Gold mini, etc.) — confirm on apply screen |
| Milestone | 1,500 POPcoins at ₹1.5 lakh annual spend (partner FAQ themes) |
| Lounge | No standard complimentary lounge on POP-CLUB KFS tier; paid lounge access if used |
| Interest (revolving) | 3.99% per month (47.88% p.a.) per KFS |
| Typical fit | POP Club shoppers who will link RuPay on POP UPI and redeem POPcoins in-app |
View POP-CLUB card on YES Bank →
Yes bank pop credit card benefits
Yes pop credit card benefits centre on POPcoins — loyalty currency in the POP Club ecosystem (app and partner merchants), not bank reward points you transfer freely to any airline. POPcoins credit after statement generation; validity is typically 365 days from credit (partner FAQ). Minimum earn transaction is usually ₹100+.
POPcoins earn rates
Per YES Bank / POP Club product marketing and partner FAQs (verify in your POP app after approval):
- 500 POPcoins on card activation (welcome activation bonus — confirm eligibility).
- 10 POPcoins per ₹100 on online card spends (~10 coins per ₹100 — often marketed as “10% POPcoins”; redemption value depends on POP Club offers, not guaranteed 10% cash back).
- 2 POPcoins per ₹100 on offline spends.
- Accelerated POPcoins on 500+ brands when shopping through the POP Club app.
- Extra POPcoins on POP UPI: link your RuPay credit card on POP UPI in the app; partner materials cite additional earn on UPI spends (e.g. +5 POPcoins per ₹100 on app UPI in some FAQs — confirm live T&Cs).
- Milestone: 1,500 POPcoins when you cross ₹1.5 lakh spends in a year (overlaps with annual-fee waiver threshold).
Welcome benefits (yes pop credit card benefits bundle)
Issuer and partner pages commonly advertise a welcome bundle worth up to ~₹5,000, which may include (availability changes):
- 5 free Blinkit deliveries
- Cleartrip voucher (~₹750)
- 6-month PharmEasy Plus membership
- 3-month Zomato Gold mini
- 2 Rapido bike rides per month (up to ~₹100 each)
- Cult Sport voucher (~₹500)
Activate and claim through the POP Club app within issuer timelines. This is not the same as statement credit — treat as partner coupons with expiry and merchant rules.
Yes bank pop rupay credit card — UPI on credit
Yes pop upi / yes pop credit card upi flows work by linking the RuPay credit card inside the POP Club app’s UPI module (POP UPI), subject to NPCI, merchant, and issuer support. You cannot assume every UPI merchant accepts credit on UPI. For day-to-day UPI cashback without POPcoins, see our Kiwi RuPay review.
Fuel surcharge waiver
Per YES Bank KFS: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; maximum waiver ₹300 per statement cycle. A 1% fee + GST applies on fuel transactions above ₹10,000 (capped ₹5,000 per customer per calendar month). GST on surcharge is not reversed.
Yes bank pop credit card lounge access
Yes bank pop club credit card lounge access is a common search, but the POP-CLUB card is positioned as a rewards + UPI lifestyle product, not a lounge card. YES Bank’s KFS states that if you are not eligible for complimentary lounge access, lounge charges + taxes per person apply — and directs you to the card’s product features on the website. Do not expect Priority Pass–style lounge visits on the base POP-CLUB variant; premium YES cards (Marquee, RESERV, etc.) are separate products.
Fees and charges (yes bank pop credit card benefits vs cost)
Pop credit card headline is “low fee,” but budget these KFS lines (May 2026 PDF):
| Charge | POP-CLUB (per YES Bank KFS) |
|---|---|
| Joining fee | Nil |
| Renewal fee | ₹399 + GST; waived if ₹1.5L retail spend in anniversary year |
| Finance charge | 3.99% per month on revolving balance |
| Cash advance | 2.5% or ₹500 (whichever higher); cash withdrawal suspended first 6 months |
| Rent payments | 1% (min ₹1) up to ₹1,000 txn; 1% or ₹199 above; max 3 rent txns / 30 days |
| Wallet loads | Min 1% or ₹1 (whichever higher) |
| Utility spends | 1% + GST if > ₹15,000/month total utilities (fee cap ₹3,000/month) |
| Education via third-party apps | 1% + GST (cap ₹5,000/month) |
| Foreign currency | 3.40% on FCY transactions |
| Late payment | Nil if total outstanding ≤ ₹500; else 10% of statement balance or ₹1,350 (lower) |
If you miss the ₹1.5 lakh waiver, partner FAQs mention 400 POPcoins as a fee-offset benefit on some cycles — confirm in-app. A lifetime-free (lifetime free) POP-CLUB variant may be offered in promotions; KFS notes renewal rules are “Not Applicable for Life Time Free Card.”
Pop credit card eligibility
Yes bank pop credit card eligibility (typical partner-published criteria — bank may change):
- Age: 21–60 years
- Income: Salaried ₹25,000/month net minimum, or self-employed with ITR ₹7.5 lakh+
- Existing YES Bank credit cardholders are often not eligible for this co-brand (issuer rule — confirm on application)
Documents: PAN, Aadhaar-linked KYC, income proof, address proof — standard YES Bank onboarding.
Pop credit card apply — online and status
Yes pop credit card apply / pop credit card apply:
- Open the official YES Bank POP-CLUB Credit Card page and use Apply Online, or apply through the POP Club app if routed there.
- Enter name (as per Aadhaar), DOB, mobile, and complete VKYC / income steps.
- On approval, add the RuPay card to POP UPI in the app for UPI-on-credit and accelerated earn.
Yes pop credit card status / pop credit card status: track in the application portal or POP app notifications; servicing and statements remain with YES Bank (card issuer). Customer care: 1860 210 1200 / 1800 1200 (YES Bank card services — verify on your welcome kit).
Apply on YES Bank (official) →
Kiwi vs POP credit card
Kiwi vs pop credit card — both are RuPay + app-first UPI credit plays, but rewards differ:
| YES Bank POP-CLUB | Kiwi RuPay (GoKiwi) | |
|---|---|---|
| Issuer | YES Bank + POP Club | Yes Klick / AU Kosmo / PNB via Kiwi app |
| Reward currency | POPcoins (POP app redemption) | Cashback / Kiwis on UPI (GoKiwi rules) |
| Base earn | 10 POPcoins / ₹100 online; 2 offline | ~1.5% UPI scan & pay; 0.5% online (partner page) |
| Annual fee | ₹0 join; ₹399 renewal unless ₹1.5L spend (or lifetime free promo) | ₹0 on GoKiwi partner pages (lifetime free) |
| Lounge | Not a core POP-CLUB benefit | Optional via Kiwi Neon milestones |
| Best for | POP Club shoppers, brand offers, POPcoins “minis” | Simple UPI cashback, minimal co-brand lock-in |
Choose POP-CLUB if you will shop through POP Club and redeem POPcoins. Choose Kiwi if you want straightforward UPI cashback and may already use GoKiwi — read our full Kiwi review.
Pop credit card review — pros and cons
Pros: Nil joining fee; strong online POPcoins earn; RuPay UPI in POP app; partner welcome bundle; fee waiver at ₹1.5L spend; fuel waiver band on small fuel txns; milestone POPcoins at ₹1.5L.
Cons: POPcoins locked to POP ecosystem; renewal ₹399 if spend target missed; not a lounge/travel card; rent/wallet/utility fees like other YES cards; existing YES cardholders often excluded; “10%” headlines overstate real rupee value of POPcoins; app required for best earn.
Is the yes bank pop credit card worth it?
Pop credit card review verdict: worth it if you are an active POP Club user and spend online enough to clear ₹1.5 lakh/year (fee waiver + 1,500 POPcoins milestone). Example: ₹12,500/month online = ₹1.5L/year → renewal waived and milestone POPcoins credited (subject to category exclusions). If you only need generic UPI cashback without POP redemption, Kiwi or a flat cashback card from our cashback hub may be simpler.
Who should skip this card
- You carry a balance month to month — interest near 42% p.a. wipes out cashback.
- Your spend is mostly offline or in excluded categories (fuel, rent, wallets, EMI) with little eligible online spend.
- You already hold a stronger cashback card for your top merchants and cannot justify another annual fee even with waiver rules.
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FAQ
What is the yes bank pop club credit card? A YES Bank–issued RuPay credit card co-branded with POP Club, earning POPcoins and supporting POP UPI for credit-on-UPI where enabled.
Yes pop credit card benefits pdf? Download YES Bank’s Key Fact Statement PDF for fees; POP earn rules are in the POP Club app and issuer product page.
Is yes bank pop credit card lifetime free? Joining is nil; some campaigns issue an lifetime-free variant (no ₹399 renewal per KFS footnote). Standard offer: ₹399 renewal unless ₹1.5L annual retail spend.
Yes bank pop club rupay credit card vs yes pop card? Same product family — “POP-CLUB” is the official YES Bank name; “yes pop” is shorthand in search.
Pop credit card limit? Assigned at approval based on income and bureau — not published as a fixed number; check your welcome letter / net banking.
Sources checked
- YES Bank — POP-CLUB Credit Card product page
- YES Bank — Credit card Key Fact Statement (PDF, POP-CLUB section)
- POP Club — Android app listing
- Partner FAQ themes on POPcoins earn, validity, and welcome bundles (cross-checked with issuer marketing; confirm in-app at application)
Important: POPcoins value depends on redemption offers in the POP Club app, not a fixed rupee rate. Approval is at YES Bank’s discretion. UPI-on-credit depends on merchants and NPCI rules. This content is informational only and is not financial advice. Credit cards are debt products — pay statements in full to avoid interest. Disclaimer · Report an error