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. The one open route out — converting to cashback, or using them against bills and UPI — runs at roughly 10 POPcoins to ₹1. Value them at that ₹0.10 and the 10-per-₹100 online rate is 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).
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,000 in vouchers, points or cashback on card activation
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 the only open route out is roughly 10 POPcoins to ₹1 against cashback, bills or UPI — 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% once POPcoins are valued at the ~₹0.10 they actually convert at outside POPshop
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
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 1% | ₹600 |
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹471 |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, 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
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
- High POPcoin earning online — 10 per ₹100, worth close to ₹1 per 10 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 — outside POPshop it converts at roughly 10 POPcoins to ₹1, making the headline 10-per-₹100 online rate 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
Eligibility & documents
Age
21 –60 years
Min. income
₹25,000 /mo
Employment
Salaried · 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
🎁 Convert POPcoins to cashback, or use them against bills and UPI, at roughly 10 POPcoins to ₹1
🎁 POPcoins expire 365 days from the date they are credited
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
E-gift voucher (EGV) Capped at 50% of the balance and ₹25,000 a calendar month
Flights & hotels BEST YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
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%.
The bottom line
Headline earning figures on this card diverge sharply from their practical monetary worth. Earning 10 POPcoins per ₹100 suggests a 10% reward yield at first glance, but really equates to around 1% because POPcoins function as capped, expiring store credits within the POPshop catalog rather than transferable currency. Aside from the one-time welcome package, sustained returns remain thin. Given the ₹399 plus GST annual charge and a ₹1.5 lakh spend threshold for a fee waiver, a standard no-fuss card earning 1.5% or higher cashback offers superior everyday value for the vast majority of cardholders.
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 verified 8 Aug 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 · 1 changes · last change Aug 2024
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2024 1 change — 1 neutral
◆ Launch Effective 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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Quick summary
Type Entry credit card
Reward rate 0.2%–1%
Best for Someone who already shops the POPclub brands at POPclub prices
Joining fee Free
Annual fee ₹399
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 8 Aug 2026
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280 cards analysed — August 2026
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