Yes Bank Pop Club Credit Card 2026: Benefits, Cashback, Fees, Eligibility & More

Looking for a lifetime-free credit card that rewards your online shopping and UPI spends? The Yes Bank Pop Club Credit Card can be an interesting option for users who frequently shop online, make UPI QR payments, and enjoy brand offers.

This credit card offers Pop Coins on everyday transactions, along with complimentary memberships and vouchers as welcome benefits. Cardholders can earn up to 10 Pop Coins for every ₹100 spent on e-commerce and online transactions, while UPI QR payments earn 7 Pop Coins per ₹100.

In this guide, we cover the YES BANK POP CLUB Credit Card benefits, cashback rate, Pop Coins value, fees, eligibility criteria, welcome benefits, lounge benefits, and how to apply.

YES BANK POP CLUB Credit Card Highlights

Feature	Details
Joining Fee	₹0
Annual Fee	₹0
Online Rewards	10 Pop Coins per ₹100
Online Cashback Rate	1%
UPI QR Rewards	7 Pop Coins per ₹100
UPI Cashback Rate	0.7%
Other Spends	2 Pop Coins per ₹100
General Cashback Rate	0.2%
Foreign Currency Fee	2.75%
Interest Rate	3.80% per month (45.6% annually)
Age Eligibility	21–60 years
Employment	Salaried or self-employed

YES Bank Pop Club Credit Card Welcome Benefits

One of the attractive features of the Yes Bank Pop Club Credit Card is its welcome benefit package.

Eligible cardholders can receive:

• 3-month Zomato Gold membership free

• 6-month PharmEasy membership free

• Cleartrip voucher worth ₹750

These benefits can be useful for users who frequently order food, purchase medicines online, or book flights and hotels.

YES Bank Pop Club Credit Card Cashback & Rewards

The YES BANK POP CLUB Credit Card follows a Pop Coins-based rewards system.

1. Earn 10 Pop Coins per ₹100 on Online Spends

Cardholders earn 10 Pop Coins for every ₹100 spent on e-commerce and online transactions on any website.

Since 1 Pop Coin is valued at ₹0.10, 10 Pop Coins are equivalent to ₹1.

That means the effective online cashback rate is:

10 Pop Coins × ₹0.10 = ₹1

So, the online cashback rate is 1%.

2. Earn 7 Pop Coins per ₹100 on UPI QR Payments

The card also rewards eligible UPI QR payments.

You can earn 7 Pop Coins for every ₹100 spent through UPI QR, equivalent to a 0.7% cashback rate.

This can make the card useful for users who regularly make merchant payments through UPI.

3. Earn 2 Pop Coins per ₹100 on Other Spends

For other eligible transactions, cardholders can earn 2 Pop Coins for every ₹100 spent.

With each Pop Coin valued at ₹0.10, this works out to an effective 0.2% cashback rate.

How to Get More Value from Pop Coins?

MyRupaya Tip: Instead of treating Pop Coins simply as cashback, cardholders can use them to purchase brand vouchers through the POP app, where they may get more value depending on the available voucher offers.

This can be particularly useful if you regularly shop with participating brands.

Other Yes Bank POP Club Credit Card Benefits

Apart from its reward structure, the card offers several additional benefits.

Lifetime-Free Credit Card

The YES BANK POP CLUB Credit Card comes with:

• ₹0 joining fee

• ₹0 annual fee

This makes it a potentially attractive option for users looking for a lifetime-free credit card in India.

Brand Discounts

Cardholders can get up to 50% off on various brands, depending on the available offers and applicable terms.

These offers can add extra savings on shopping, dining, lifestyle and other purchases.

Airport Lounge Benefits

The YES BANK POP CLUB Credit Card also provides lounge-related benefits. However, lounge access can be subject to applicable terms, conditions, eligibility requirements and changes to the card's benefit structure.

Before relying on lounge access for travel, check the latest terms and conditions applicable to your card.

YES BANK POP CLUB Credit Card Fees & Charges

Understanding credit card fees is important before applying.

Fee / Charge	Applicable Charge
Joining Fee	₹0
Annual Fee	₹0
Cash Advance Fee	2.5% of the transaction amount or ₹300, whichever is higher
Interest Rate	3.80% per month / 45.6% annually
Late Payment Fee	₹0 to ₹1,000
Foreign Currency Transaction Fee	2.75%
Other Fees	None

Although the card is lifetime free, other charges such as cash withdrawal, interest, late payment and foreign currency transaction fees can still apply.

Tip: Avoid withdrawing cash using a credit card unless necessary, as cash advances can attract additional charges and interest.

YES BANK POP CLUB Credit Card Eligibility Criteria

The basic eligibility criteria mentioned for the card include:

Age

The applicant should be between 21 and 60 years of age.

Employment

Both salaried and self-employed individuals can be eligible.

Income

Applicants should meet the applicable income requirement:

• Minimum net salary of ₹25,000 per month, or

• Income Tax Return of ₹7.5 lakh or above

Meeting the eligibility criteria does not guarantee approval. The final application decision depends on the bank's internal policies, credit profile and verification.

Documents Required to Apply

Applicants may need to provide documents such as:

• PAN Card

• Identity proof

• Address proof

• Income proof

• Salary slips for salaried applicants

• ITR documents for eligible self-employed applicants

The exact documents required can vary depending on the applicant and the bank's verification process.

How to Apply for YES BANK POP CLUB Credit Card?

You can apply for the YES BANK POP CLUB Credit Card online.

Step 1: Visit the YES BANK Website

Go to the official YES BANK website and open the Credit Cards section.

Step 2: Select POP CLUB Credit Card

Find the YES BANK POP CLUB Credit Card and review the card's features, eligibility and applicable terms.

Step 3: Click on Apply Now

Select Apply Now and complete the online application form with your personal, employment and income details.

Step 4: Submit Documents

Upload or submit the required documents, such as PAN, identity proof and income-related documents.

Step 5: Application Verification

YES BANK will verify the application and documents. Approval and issuance are subject to the bank's eligibility and credit assessment criteria.

Is YES BANK POP CLUB Credit Card Worth It?

The YES BANK POP CLUB Credit Card can be worth considering if your spending pattern matches its rewards structure.

It may be particularly suitable for people who:

• Frequently shop online

• Make UPI QR payments

• Want a lifetime-free credit card

• Prefer rewards that can be used for brand vouchers

• Want complimentary lifestyle and travel-related benefits

• Regularly use online shopping and merchant platforms

However, the card may not be the best choice if your primary goal is premium travel rewards, high-value airport lounge access or a very high general cashback rate.

Pros and Cons of YES BANK POP CLUB Credit Card

Pros

• Lifetime free credit card

• ₹0 joining fee

• ₹0 annual fee

• Up to 1% effective rewards on online spends

• 0.7% effective rewards on UPI QR payments

• Complimentary Zomato Gold membership

• Complimentary PharmEasy membership

• ₹750 Cleartrip voucher

• Up to 50% discounts on various brands

• Pop Coins can be used for brand vouchers

Cons

• General spending reward rate is relatively low

• Foreign currency transaction fee of 2.75%

• Cash advances attract additional charges

• Interest rate can be expensive if you carry a balance

• Benefits and offers may be subject to applicable terms and conditions

How MyRupaya Can Help You Find Credit Card Offers

Your credit card may have more offers than you realise.

From shopping and dining discounts to travel, entertainment and brand vouchers, finding the right offer can help you get more value from your existing card.

With MyRupaya, you can discover and compare credit card offers in one place instead of searching across multiple websites.

Final Verdict

The YES BANK POP CLUB Credit Card is designed for users who want a lifetime-free credit card with rewards on online shopping and UPI payments.

Its 1% effective reward rate on eligible online transactions, 0.7% on UPI QR payments and complimentary memberships make it an option worth considering for everyday spending.

The card becomes particularly interesting for users who know how to maximise their Pop Coins through brand vouchers on the POP app. At the same time, users should consider the lower reward rate on general spends, foreign currency charges and interest costs before applying.

If your priority is a ₹0 annual fee credit card with online rewards, UPI benefits and lifestyle offers, the YES BANK POP CLUB Credit Card can be a useful addition to your wallet.

Before applying, always check the latest fees, eligibility requirements, reward exclusions and offer terms on the issuer's official website.