Yes Bank POP Club Credit Card Review
Yes Bank POP Club Credit card, a co-branded free-to-apply credit card, offers 10% Reward points on online spending with 5% acceerated through its app without any limit, along with its rewards on Offline and UPI spend, fuel surcharge waiver, ₹5,000 worth welcome bonus make this card so much attractive, but is it worth to apply?
In the review, we will discuss each and everything about its eligibility, reward points and benefits, pros and cons and my verdict on who should apply and who should not, so read it till the end before applying.
Yes Bank POP Club Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹399 + GST (18%) |
| Fee Waiver | Annual Fee waived off on ₹1.5 Lakh spend. |
| Base Reward Rate | 10% |
| Best Reward Categories | online_shopping, upi_payments |
| Forex Markup | 3.5% |
Yes Bank POP Club Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹25,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-60 Years |
For a salaried person income should be ₹25,000, and for a self-employed minimum annual income should be ₹ 7.5 Lakh with a good credit score to get approval for this card.
If you already have a Yes Bank credit card, then you’re not eligible to apply for this card. In that case, you can go for other UPI Based Credit card, like the Kiwi Credit Card.
Yes Bank POP Club Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | 500 POPCoin with Zomato Gold 3 Month, Cleartrip voucher of ₹750, PharmEasy 6 Month membership. |
| Bonus Categories | POP UPI Credit Card |
| Reward Structure |
|
| Reward Exclusions | No cashback / Reward points on Wallet, uitility, rent, etc. |
| Reward Expiry | 1 Years |
Now, thoroughly understand the reward structure. This credit card gives reward points as POPCoins that you can redeem in the app –
- 10 POPCoins / ₹100 spent on Online transactions (~10%)
- 15 POPCoins / ₹100 spent on Online spend via the POP Club App (~15%)
- 2 POPCoins / ₹100 spent on Offline spend like POS (~2%)
- 5 POPCoins / ₹100 spent on UPI via POP Club App (~5%)
There is no maximum cap on reward points, so you can earn as you spend. Apart from it, there are other benefits also mentioned below:-
- 500 POPCoins as a welcome bonus on card activation.
- 400 POPCoins on fee renewal.
- 1500 POPCoins on ₹1.5 Lakh spent.
You can use or redeem these POPCoins easily via the POP Club app. If you redeem it in the app, then you can get 1 POPCoin value up to ₹1, which is great, but if you use these coins on other sites as vouchers, then it can vary, like on Blinkit, Zomato, Cult, Cleartrip, Rapido, PharmEasy effective value of 1 POP Coin is ₹0.25 only.
Reward points on or above ₹100 transactions only.
There is 1% Fuel surcharge waiver, also up to ₹300 / Month. In this card, no airport lounge access is provided.
In the welcome bonus, apart from 500 POP Coins, there are other benefits such as a 6 Month Zomato Gold Mini membership, a 6 Month PharmEasy Plus membership and a ₹750 worth cleartrip voucher.
How to Apply for Yes Bank POP Club Credit Card
-
Check Eligibility
If your monthly income is ₹25,000 or more , your age falls within 21-60 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the Yes Bank POP Club Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- 10% Reward points on online spend.
- No limit on reward points.
- Rewards on UPI & offline spend.
- Solid Welcome benefits.
Cons
- POP Coin value is not fix for all uses.
- Yes Bank Card holders can't apply.
- No lounge benefits.
Our Verdict
Yes Bank POP Club credit card is a very good option for entry-level cashback / Reward points with no limit, and the reward rate is also ~10% for online spend make this card a very good option for those who spend online mostly.
There are reward points for all categories with milestone-based rewards, a welcome bonus, and a fuel waiver make this card a complete package for beginners, online spenders or UPI spend.
If you want Lounge access or spend offline majorly, then you can go for other cards as well.
