YES BANK POP-CLUB Credit Card
Yes Bank · Open to apply
A RuPay co-brand card with POPclub: 10 POPcoins per ₹100 online and 2 per ₹100 elsewhere including UPI, 1,500 coins on ₹1.5 lakh of yearly spend, and a ₹399 fee that a ₹1.5 lakh spend removes (the page also advertises a limited-time lifetime-free offer).
- Annual fee
- ₹399 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- 2 POPcoins per ₹100 on all other transactions including UPI: 2 POPcoins per ₹100
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 POPcoins per ₹100 on e-commerce and online transactions: 10 POPcoins per ₹100
Earns nothing on
- No POPcoins on fuel, rent, wallet loads, government, marketing, ATM, utility, insurance, POI funding and EMI
- No POPcoins on education from 1 Jun 2026
Where the sources disagree
- fuel surcharge waiver cap: The MITC and KFS tables of maximum waiver per statement still list POP-CLUB at ₹300, while their own note and the page give ₹1,000 to ₹3,500 and ₹100 a statement from 1 Jun 2026 (₹400 to ₹5,000 and ₹300 before). The table predates the change; we use the later statement.
Terms the calculator does not value
- POPcoins have no published rupee rate of redemption (the page says '1 POPcoin = upto ₹1'), so the card is valued with the coin at ₹0 and its reward value is understated. At the 'up to' value the online rate would be 10%.
- A limited-time 'Lifetime Free' offer removes the annual fee for cards issued under it; its dates are not stated.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, POP-CLUB Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)