All cards / Yes Bank
YES Bank POP-CLUB Credit Card
A fintech co-brand entry RuPay card built around POPcoins and a hefty welcome voucher bundle across Blinkit, Zomato and PharmEasy — the loyalty currency is less transparent than straight cashback.
Annual fee
₹399
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🛍️ Shopping
2% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3.5%
Benefits
- Welcome perks worth up to ₹5,000 (Blinkit, Cleartrip, PharmEasy, Zomato vouchers) plus 500 POPcoins on activation
- Additional 5% POPcoins on UPI transactions made via the POP app
Pros
- + Big welcome bundle worth up to ₹5,000 in partner vouchers
- + No joining fee, easily waived annual fee
- + Bonus POPcoins on UPI transactions via the POP app
Cons
- − POPcoins reward value is less transparent than plain cashback
- − Modest base earn rate on regular offline spends
- − Extra fee applies on large fuel transactions