About POP Club Credit Card
The YES BANK POP-CLUB Credit Card (also known as the POP Club Credit Card) is a co-branded RuPay credit card issued in collaboration with Pop Club. It's intended for everyday spenders, particularly those who shop online, use UPI frequently, and value lifestyle benefits such as vouchers and memberships. With high rewards on online transactions and integration with the POP app for seamless UPI rewards, it stands out as a rewarding option in the entry-to-mid range.
Fees and Charges
- Joining Fee: NIL (limited-time offer)
- Annual Fee: NIL (limited-time offer)
- Annual Fee Waiver Spends: ₹1,50,000 in the anniversary year
Welcome and Milestone Benefits
- Welcome Benefits: Worth up to ₹5,000, including 500 bonus POPcoins on activation, Cleartrip voucher ₹750, 6-month PharmEasy Plus membership, 3-month Zomato Gold Mini membership, Cult Sport voucher ₹500, 5 free Blinkit deliveries, and more (varies by offer).
- Milestone Benefits: 1,500 bonus POPcoins on crossing ₹1.5 lakh spends in the anniversary year (plus annual fee waiver).
Cashback and Rewards
- Card Type: Co-branded lifestyle/rewards card
- Card Network: RuPay
- Best For: Online shoppers, UPI users (via POP UPI), daily spenders seeking high rewards on digital transactions without high fees
- Cashback/Rewards on Online Purchases: 10 POPcoins per ₹100 spent (equivalent to 10% value in redeemable coins)
- Cashback/Rewards on Offline Purchases: 2 POPcoins per ₹100 spent
- Maximum Cashback per Statement Cycle: No explicit cap. Rewards are uncapped in most cases
- Rewards Redemption Options: Redeem POPcoins for vouchers, cashback (e.g., 5% via POP UPI), discounts on brands like Zomato, Blinkit, PharmEasy, Cleartrip, Cult, Rapido, and more in the POP app/marketplace. Additional 5% cashback possible on POP UPI redemptions.
Lounge Access
- Domestic Lounge Access: NA
- International Lounge Access: NA
Category Spend Benefits
- Online Shopping: 10 POPcoins per ₹100
- Food and Grocery: Covered under general online/offline rates; extra via partner vouchers (e.g., Zomato, Blinkit)
- Travel Booking: Benefits via Cleartrip vouchers in welcome perks
- Utility Bill Payments: Covered under general rates
- UPI Payment (Scan & Pay): Additional 5% POPcoins/cashback via POP UPI; flat 5% cashback possible on redemptions
- Fuel: 1% surcharge waiver
Excluded Categories
- All Excluded Categories: Typically, standard exclusions for rewards cards apply (e.g., fuel may have partial rewards after waiver, government, wallet loads, rent, cash advances, EMI conversions, and certain low-reward categories).
Why Choose POP Club Credit Card?
The POP Club Credit Card stands out for its high reward rates on online purchases (10% equivalent), seamless UPI integration for additional cashback, and generous welcome/milestone bonuses — all with no joining fee and an easy annual fee waiver (or lifetime free in promotional periods). It's ideal if you do the majority of your shopping online, pay with UPI, and want vouchers for food, travel, health, and fitness without paying premium fees. The RuPay network now supports a wide range of Indian applications and services. If you're already a part of the POP ecosystem, the benefits compound nicely.
Who is eligible for the POP Club Credit Card?
- Age: 21 to 60 years
- Employment: Salaried or self-employed
- Income: Minimum net salary of ₹25,000 per month (salaried) or ITR of ₹7.5 lakh+ (self-employed)
- Other: Indian resident; existing YES BANK credit cardholders may not be eligible
Apply via the POP app or partner website for instant digital onboarding.
Is the POP Club Credit Card worth applying for?
Yes, especially if you have a moderate-to-high online/UPI spend and do not require lounge access or premium travel benefits. The card's 10% online rewards, 5% UPI boost, and ₹5,000+ welcome benefits make it a top choice for digital lifestyles, outperforming many entry-level cards. The low/no fees make it low-risk, and the milestone waiver and bonus coins encourage consistent use.
However, if you spend most of your time offline or need international features/lounge access, look elsewhere. In 2026, it's a solid, rewarding choice for new or experienced app users.