YES BANK POP-CLUB Credit Card
YES BANK
Free
Joining fee
₹399, waived at ₹1.5L spend
Annual fee
Rs 399 annual fee waivable on Rs 1.5 lakh annual spending.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed; income Rs 25,000+ monthly or Rs 7.5 lakh+ ITR.
Lounge access
0 domestic / 0 international visits per year
Reward details
2 POPcoins per Rs 100 on other purchases
- 10 POPcoins per Rs 100 on Online transactions
- accelerated rewards, rate varies by brand on 500+ brands via POPclub app
Welcome bonus: 500 POPcoins on activation
- Rs 1.5 lakh spend: 1,500 POPcoins
- Renewal fee payment: 400 POPcoins
Redemption
1 POPcoin = Rs 1
Ratio: 1:1
Excluded from rewards: fuel, rent, wallet load transactions, government & marketing/advertising category transactions, ATM withdrawal, utility, insurance premium, POI funding transactions, EMI-converted transactions
- Welcome benefits: Cleartrip vouchers worth Rs 750, 3-month Zomato Gold membership, 6-month PharmEasy Plus membership
- Fuel surcharge waiver 1% on Rs 400-5,000 transactions, capped Rs 300/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual/joining fees; strong online rewards rate; diverse welcome benefits spanning dining, travel, pharmacy — Paisabazaar
Complaints
- High 3.40% forex markup; limited travel perks; exclusions affect fuel/rent spends — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, sentiment