The YES Bank POP Club Credit Card is a co-branded card launched in partnership with POP Club, a lifestyle rewards platform. It operates on the RuPay network, which means it supports UPI payments- a feature that most Visa and Mastercard credit cards still lack.
The card targets urban, digitally active spenders who want rewards on everyday purchases without paying a joining fee. But does the reward structure actually deliver meaningful value? This review covers the features, fees, reward mechanics, and an honest assessment of whether the POP Club card is worth applying for in 2026.
For a broader comparison of all available options, see our complete YES Bank credit card guide [/blog/yes-bank-credit-cards/].
Key Features at a Glance
| Feature | Details |
| Network | RuPay |
| Joining Fee | ₹0 |
| Annual Fee | ₹399 + GST (waived on ₹1.5 lakh annual spend) |
| Reward Currency | POPcoins |
| Welcome Benefits | ₹5,000 worth (Blinkit, Cleartrip, Zomato Gold Mini, PharmEasy Plus, Rapido, Cult Sport vouchers) |
| UPI Support | Yes (RuPay) |
| Lounge Access | No |
| Interest Rate | 3.99% per month |
| Forex Markup | Standard |
Reward Structure- How POPcoins Work
The POP Club card earns rewards in a currency called POPcoins. The earning rate depends on the transaction type.
Online shopping: 10 POPcoins per ₹100 spent. This is the card’s strongest category and outperforms most entry-level cashback cards for e-commerce spending.
Offline spending: 2 POPcoins per ₹100 spent. Significantly lower than the online rate, which means the card is less rewarding for physical store purchases.
UPI spending: An extra 5 POPcoins per ₹100 on UPI transactions made through the POP UPI app (RuPay variant only). This makes UPI spending on the POP Club card earn 7 POPcoins per ₹100 when done through the POP app.
Milestone bonus: 1,500 bonus POPcoins on reaching ₹1.5 lakh in annual spending. This is also the threshold for the annual fee waiver, so hitting it delivers both the bonus and the fee elimination.
Redemption: POPcoins can be redeemed at 500+ brands on the POP Club app. The value varies by brand and offer, but at best, 1 POPcoin can be worth up to ₹1 in high-value redemptions.
The key limitation is that POPcoins are locked into the POP Club ecosystem. Unlike direct cashback (which goes to your bank account), POPcoins must be spent through the POP app. If the brands on the platform do not match your spending habits, the rewards lose practical value.
Fees and Charges
| Charge | Amount |
| Joining Fee | ₹0 |
| Annual Fee | ₹399 + GST (waived at ₹1.5 lakh annual spend) |
| Interest Rate | 3.99% per month (47.88% per annum) |
| Cash Advance Fee | 2.5% of amount or ₹500, whichever is higher |
| Fuel Surcharge | 1% waiver up to ₹5,000/month; 1% fee on transactions above ₹10,000 |
| Utility Payments | 1% charge + GST above ₹15,000/month (from Jan 2026) |
| Education Payments | 1% charge + GST via third-party apps |
| Late Payment Fee | Varies by outstanding balance (₹0 to ₹1,300+) |
The annual fee of ₹399 is easily waivable if you spend ₹1.5 lakh in a year, which works out to roughly ₹12,500 per month. For most regular users, this threshold is achievable. If you want a detailed breakdown of how these charges compare across all YES Bank cards, see our YES Bank credit card charges guide [/blog/yes-bank-credit-card-charges/].
Welcome Benefits- What You Actually Get
The ₹5,000 in welcome benefits is spread across multiple partner brands. Here is what you receive on activation:
– Blinkit free deliveries
– Cleartrip voucher worth ₹750
– Zomato Gold Mini membership
– PharmEasy Plus membership
– Rapido ride credits
– Cult Sport voucher
These are partner vouchers, not direct cashback. Their value is real only if you actually use these platforms. For someone who already uses Zomato and Blinkit regularly, the welcome package is genuinely useful. For someone who does not, the effective value is lower than ₹5,000.
Eligibility and How to Apply
Age: 21 to 60 years.
Income: Minimum ₹25,000 monthly (salaried) or ₹7.5 lakh annual ITR (self-employed).
Credit Score: 700+ recommended.
Important restriction: Only new YES Bank credit card customers can apply. If you already hold a YES Bank credit card, you are not eligible for the POP Club card.
Application: Apply through the YES Bank website or POP Club partner platforms. The process involves online KYC, document upload, and video verification. For the full application process and document requirements, see our YES Bank credit card eligibility and application guide [/blog/yes-bank-credit-card-apply/].
Pros and Cons- Honest Assessment
What works well
Zero joining fee makes it risk-free to try. You are not committing money upfront.
Strong online reward rate. At 10 POPcoins per ₹100 on online shopping, the return rate on e-commerce spending is competitive with most mid-range cards. If you spend ₹5,000 per month online, that is 500 POPcoins monthly.
UPI-enabled via RuPay. Being on the RuPay network means you can use this card for UPI Scan & Pay, which most Visa and Mastercard credit cards cannot do.
Generous welcome benefits. ₹5,000 in partner vouchers on activation is above average for a free card.
Easy annual fee waiver. ₹1.5 lakh in annual spending (₹12,500/month) is a realistic threshold for most working professionals.
What does not work
No airport lounge access. If you travel and value lounge visits, this card offers nothing. You would need to look at the YES Bank cards with lounge access [/blog/yes-bank-credit-card-lounge-access/] instead.
Rewards locked in POP ecosystem. POPcoins cannot be redeemed as direct cashback to your bank account. You must use the POP Club app and choose from their partner brands.
Low offline reward rate. At 2 POPcoins per ₹100 on offline spending, physical store purchases earn significantly less than online ones.
Existing YES Bank cardholders excluded. This is a deal-breaker for anyone already in the YES Bank ecosystem.
Surcharges on utility and fuel above thresholds. The January 2026 policy changes mean heavy utility or fuel spenders will see 1% surcharges above monthly caps.
POP Club vs Kiwi Klick Card- Which One Should You Pick?
Since both cards are issued by YES Bank and both are on RuPay with UPI support, this is a common comparison. Here is how they stack up.
| Feature | POP Club | Kiwi Klick |
| Joining Fee | ₹0 | ₹0 |
| Annual Fee | ₹399 + GST (waivable) | ₹0 (lifetime free) |
| Reward Type | POPcoins (redeem on POP app) | Direct cashback to bank account |
| UPI Cashback | 7 POPcoins/₹100 via POP UPI app | 1.5% flat (2% with Neon membership) |
| Online Shopping | 10 POPcoins/₹100 | 0.5% cashback |
| Lounge Access | No | 3/year (with Neon membership) |
| Best For | Online shoppers who use POP partner brands | UPI-heavy daily spenders who want cash in bank |
The verdict: If your spending is predominantly online shopping and you are comfortable earning rewards within the POP Club ecosystem, the POP Club card offers a higher return on e-commerce transactions.
If your spending is primarily UPI Scan & Pay at offline merchants (groceries, fuel, restaurants, local shops) and you want cashback deposited directly into your bank account with zero complexity, the Kiwi Klick card [/cards/yesbank/] is the better fit. It is also fully lifetime free with no annual fee to worry about.
For a broader comparison including other UPI-capable YES Bank cards, read our guide on the best YES Bank credit card for UPI payments [/blog/best-yes-bank-credit-card/].
Frequently Asked Questions
The joining fee is ₹0. There is an annual fee of ₹399 + GST from the second year, which is waived if you spend ₹1.5 lakh in the preceding year.
You earn POPcoins automatically on every transaction- 10 per ₹100 online, 2 per ₹100 offline, and 5 extra per ₹100 on UPI via the POP app. Redeem them on the POP Club app for vouchers, discounts, and purchases across 500+ brands.
No. The POP Club card does not include any airport lounge access benefits. If lounge access is important to you, consider the YES ELITE+ or RESERV cards instead.
No. The POP Club card is only available to new YES Bank credit card customers. Existing cardholders cannot apply for this variant.
No. The POP Club card is issued exclusively on the RuPay network. This means it supports UPI payments but may have limited international acceptance compared to Visa or Mastercard.
Spend ₹1.5 lakh or more in a year (roughly ₹12,500 per month) and the annual fee of ₹399 + GST is waived for the following year.
Prefer direct cashback over POPcoins? The Kiwi YES Bank Klick card offers 1.5% cashback on every UPI payment, straight to your bank account. Check your eligibility → https://gokiwi.in/cards/yesbank/
