YES BANK POP-CLUB Credit Card Review 2026: UPI Rewards, POPcoins, Fees & Benefits
The YES BANK POP-CLUB Credit Card is a RuPay credit card designed for users who want to earn rewards on everyday online spending while also enjoying the convenience of credit card payments through UPI.
With zero joining fee, up to 10 POPcoins per ₹100 spent on eligible online transactions, milestone rewards, and benefits from brands such as Blinkit, PharmEasy and Cleartrip, the card is particularly aimed at young, digital-first consumers.
However, the card comes with an annual fee of ₹399, unless you meet the applicable annual spending requirement for a fee waiver.
Here is our detailed YES BANK POP-CLUB Credit Card review to help you decide whether it is worth applying for.
YES BANK POP-CLUB Credit Card – Quick Review
| Feature | Details |
|---|---|
| Card Issuer | YES BANK |
| Card Network | RuPay |
| UPI Enabled | Yes |
| Joining Fee | ₹0 |
| Annual Fee | ₹399 |
| Annual Fee Waiver | On annual spends of ₹1.5 lakh |
| Welcome Benefit | 500 POPcoins on activation |
| Online Spending Reward | 10 POPcoins per ₹100 spent |
| Milestone Benefit | 1,500 POPcoins on ₹1.5 lakh annual spend |
| Blinkit Benefit | 5 free deliveries |
| PharmEasy Benefit | 6-month PharmEasy Plus membership |
| Cleartrip Benefit | Cancellation/rescheduling benefit |
| Forex Markup | 3.4% |
| Best For | UPI and frequent online spenders |
| Our Rating | 4.0/5 |
What is the YES BANK POP-CLUB Credit Card?
The YES BANK POP-CLUB Credit Card is a co-branded credit card built around the POPcoins rewards ecosystem.
Unlike a traditional rewards card where you accumulate conventional reward points, eligible spending on this card earns POPcoins, which can be used within the POP ecosystem according to the applicable redemption terms.
One of its biggest advantages is that it is a RuPay UPI credit card.
You can link an eligible RuPay credit card to supported UPI apps and make qualifying merchant payments using your credit card instead of directly debiting money from your bank account.
This makes the card especially attractive to customers whose everyday spending has shifted from physical cards to UPI.
Key Benefits of YES BANK POP-CLUB Credit Card
1. Zero Joining Fee
The YES BANK POP-CLUB Credit Card comes with no joining fee.
This makes it relatively easy to try compared with cards that require an upfront payment before you can start receiving benefits.
There is, however, an annual renewal fee, so it should not automatically be considered a lifetime-free credit card.
2. UPI-Enabled RuPay Credit Card
UPI support is one of the strongest reasons to consider this card.
Since it is a RuPay credit card, eligible users can link it with supported UPI applications and use their credit line for qualifying merchant UPI transactions.
Instead of carrying the physical card or entering card details for every small purchase, you can simply scan a merchant’s UPI QR code and pay through the linked credit card where supported.
This can be particularly useful for:
- Restaurants
- Supermarkets
- Local shops
- Online merchants
- Food outlets
- Everyday retail purchases
Remember that credit-card-on-UPI is primarily intended for eligible merchant payments. It should not be treated as a replacement for every type of person-to-person UPI transfer.
3. Earn 500 POPcoins as an Activation Benefit
New cardholders can receive 500 POPcoins on activating the POP-CLUB Credit Card, subject to the applicable offer terms.
This gives new customers an immediate introduction to the POP rewards ecosystem without requiring substantial spending first.
As always, check the latest eligibility and validity conditions before applying solely for a welcome reward.
4. Earn 10 POPcoins per ₹100 on Online Transactions
Online spending is one of the major reward categories of this card.
Cardholders can earn:
10 POPcoins for every ₹100 spent on eligible online transactions.
This makes the card potentially attractive for people who regularly spend online on categories such as:
- Shopping
- Food ordering
- Entertainment
- Travel bookings
- Online services
- Lifestyle purchases
However, POPcoins should not automatically be treated as equivalent to ₹1 each.
Your actual reward value depends on how POPcoins can be redeemed and the applicable redemption terms.
Therefore, when comparing this card with a cashback credit card, compare the actual rupee value of redeemed POPcoins, rather than simply comparing the number of coins earned.
5. 1,500 Bonus POPcoins on ₹1.5 Lakh Annual Spending
The card also rewards customers who use it consistently.
Spend ₹1.5 lakh in a year and you can receive a milestone reward of:
1,500 POPcoins
₹1.5 lakh per year works out to an average of approximately:
₹12,500 per month
This spending level can be achievable for someone who uses the card as their primary card for regular household, online and UPI expenses.
More importantly, ₹1.5 lakh is also the stated annual-spend threshold for the annual-fee waiver.
Therefore, users who naturally spend around ₹12,500 or more per month may be able to extract significantly more value from the card.
6. Get 5 Free Blinkit Deliveries
Cardholders can also receive 5 free deliveries on Blinkit, subject to the offer conditions.
For customers who regularly order groceries and everyday essentials through Blinkit, this provides a useful additional saving.
It is not a reason by itself to get the card, but it improves the overall value of the welcome/lifestyle package.
7. 6-Month PharmEasy Plus Membership
Another lifestyle benefit is a 6-month PharmEasy Plus membership.
For users who regularly order medicines, healthcare products or other eligible items through PharmEasy, this can provide additional value depending on the membership benefits available at the time.
The actual savings will naturally depend on how frequently you use PharmEasy.
8. Cleartrip Cancellation and Rescheduling Benefit
Frequent travellers may also appreciate the Cleartrip benefit.
Eligible bookings can receive cancellation and rescheduling protection for ₹1, subject to the applicable Cleartrip offer terms and eligible booking conditions.
This can be useful because cancellation or rescheduling charges can sometimes significantly increase the cost of changing a travel plan.
However, users should carefully read the applicable Cleartrip conditions before booking, as eligibility, booking types and exclusions can apply.
YES BANK POP-CLUB Credit Card Fees & Charges
The basic fee structure is straightforward.
| Charge | Amount |
|---|---|
| Joining Fee | FREE |
| Annual/Renewal Fee | ₹399 |
| Annual Fee Waiver | ₹1.5 lakh annual spend |
| Forex Markup | 3.4% |
The ₹399 annual fee is relatively modest for a rewards credit card.
More importantly, customers spending ₹1.5 lakh annually can qualify for the applicable annual-fee waiver.
That makes the card much more attractive for users who can naturally reach the spending threshold without making unnecessary purchases.
Is the ₹1.5 Lakh Annual Fee Waiver Easy to Achieve?
For many regular credit-card users, it can be.
₹1,50,000 ÷ 12 = approximately ₹12,500 per month.
If you already spend ₹12,500 or more every month through cards and eligible UPI transactions, reaching the threshold may not require any additional spending.
But don’t spend extra simply to save a ₹399 annual fee.
If you would otherwise spend ₹1.3 lakh annually, spending another ₹20,000 unnecessarily just to avoid ₹399 would obviously make no financial sense.
POPcoins Explained
Understanding POPcoins is important before choosing this card.
POPcoins are the reward currency associated with the POP ecosystem.
The card rewards eligible transactions with POPcoins instead of providing straightforward statement cashback.
This distinction matters.
For example:
10 POPcoins earned ≠ automatically ₹10 cashback
The actual value depends on where and how those POPcoins are redeemed.
Therefore, customers who prefer extremely simple rewards may find a direct cashback card easier to understand.
Customers who actively use the POP ecosystem, on the other hand, may be able to make better use of the rewards.
YES BANK POP-CLUB Credit Card for UPI
UPI functionality significantly improves the usefulness of this card.
For many Indians, UPI has replaced cash and even debit cards for everyday purchases. Having a RuPay credit card connected to UPI means eligible merchant purchases can be charged to your credit-card account.
This gives you the convenience of:
Scan QR → Pay using credit → Repay the credit-card bill later
It can also help consolidate everyday spending onto one credit-card statement.
But remember: UPI convenience should not encourage overspending. Every UPI purchase made through the credit card is still borrowed money that must be repaid.
How Much Can You Earn on Online Spending?
Suppose you spend ₹10,000 per month on eligible online transactions.
At 10 POPcoins per ₹100:
₹10,000 ÷ ₹100 = 100
100 × 10 POPcoins = 1,000 POPcoins per month
Over 12 months, that could theoretically generate:
12,000 POPcoins
before considering exclusions, reward caps, transaction eligibility or changes in the rewards programme.
This example demonstrates why the card can become more interesting for frequent online spenders.
However, always calculate the value based on the redemption value of the POPcoins, not simply the number of coins accumulated.
Advantages of YES BANK POP-CLUB Credit Card
✓ Zero Joining Fee
You can obtain the card without paying an upfront joining fee.
✓ UPI Support
RuPay UPI support makes the card convenient for everyday merchant transactions.
✓ Good Online Spending Rewards
Earn 10 POPcoins per ₹100 on eligible online transactions.
✓ Welcome Reward
Receive 500 POPcoins on card activation, subject to the applicable conditions.
✓ Milestone Reward
₹1.5 lakh annual spending can earn an additional 1,500 POPcoins.
✓ Annual Fee Waiver
Spend ₹1.5 lakh annually and qualify for the applicable ₹399 annual-fee waiver.
✓ Useful Partner Benefits
Blinkit, PharmEasy and Cleartrip benefits improve the overall value proposition.
Disadvantages of YES BANK POP-CLUB Credit Card
✗ ₹399 Annual Fee
It isn’t automatically a lifetime-free credit card.
✗ Rewards Are POPcoins, Not Direct Cashback
Customers need to understand the POPcoins redemption system to determine the true reward value.
✗ ₹1.5 Lakh Required for Annual Fee Waiver
Low spenders may not reach the waiver threshold.
✗ 3.4% Forex Markup
This isn’t an ideal card for frequent international spending.
✗ Limited Premium Benefits
Customers looking primarily for airport lounge access, luxury hotel benefits or premium travel rewards may find other cards more suitable.
Who Should Get the YES BANK POP-CLUB Credit Card?
This card is particularly suitable for:
UPI users: If a significant portion of your daily spending happens through merchant UPI payments, the RuPay functionality makes the card convenient.
Online shoppers: The accelerated POPcoins earning structure makes it more relevant to people who frequently shop online.
Young professionals: The combination of UPI, online rewards and digital lifestyle benefits is clearly targeted toward digitally active customers.
Existing POP users: If you already use the POP ecosystem and understand how to maximise POPcoins, the card can be more rewarding.
₹1.5 lakh+ annual spenders: If you naturally spend at least ₹1.5 lakh annually, you can potentially receive both the milestone reward and annual-fee waiver, subject to the applicable conditions.
Who Should Avoid This Card?
Consider another credit card if you:
- Prefer direct cashback instead of reward points/coins
- Spend very little online
- Rarely use UPI
- Want premium airport lounge benefits
- Travel internationally frequently
- Want a zero-forex-markup card
- Don’t use the POP rewards ecosystem
- Want a completely lifetime-free card without spending conditions
YES BANK POP-CLUB vs Cashback Credit Cards
The biggest decision is whether you prefer POPcoins or straightforward cashback.
A direct cashback card is easier:
Spend ₹1,000 → Earn ₹X cashback
With the POP-CLUB Credit Card:
Spend → Earn POPcoins → Redeem POPcoins within the supported ecosystem
This extra step isn’t necessarily bad. It simply means you need to understand the redemption value before deciding whether the reward rate is genuinely competitive for your spending habits.
How to Get Maximum Value from the POP-CLUB Credit Card
The best strategy is to concentrate eligible online and UPI merchant spending on the card while avoiding unnecessary purchases.
If your normal annual spending is close to ₹1.5 lakh, reaching the milestone can be particularly valuable because it can potentially provide both:
1,500 bonus POPcoins + annual-fee waiver
Use the partner benefits such as Blinkit, PharmEasy and Cleartrip only when they replace purchases or services you would have paid for anyway.
Most importantly, pay the total credit-card bill in full every month.
Credit-card interest can easily exceed the value of POPcoins and promotional benefits if you carry an outstanding balance.
YES BANK POP-CLUB Credit Card Review – Our Verdict
Overall Rating: 4.0/5
The YES BANK POP-CLUB Credit Card is an interesting UPI + online rewards credit card for digitally active users.
Its strongest features are:
UPI support + zero joining fee + online POPcoin rewards + ₹1.5 lakh milestone + lifestyle benefits
The card becomes particularly attractive if you already use the POP ecosystem and naturally spend around ₹1.5 lakh or more annually, since you can potentially unlock the milestone reward while also qualifying for the annual-fee waiver.
The biggest limitation is that the rewards are provided as POPcoins rather than straightforward cashback. Customers should therefore understand the redemption value before choosing this card purely for rewards.
The 3.4% forex markup also means this isn’t our preferred option for international spending.
Our Rating Breakdown
| Category | Rating |
|---|---|
| UPI Payments | ⭐⭐⭐⭐⭐ |
| Online Spending Rewards | ⭐⭐⭐⭐½ |
| Joining Fee | ⭐⭐⭐⭐⭐ |
| Annual Fee | ⭐⭐⭐⭐ |
| Lifestyle Benefits | ⭐⭐⭐⭐ |
| Travel Benefits | ⭐⭐⭐ |
| International Spending | ⭐⭐½ |
| Beginner Friendliness | ⭐⭐⭐⭐ |
| Overall | 4.0/5 |
Final Recommendation
Recommended for: UPI users, online shoppers, young professionals, POP users and customers spending around ₹1.5 lakh or more annually.
Consider alternatives if: You primarily want direct cashback, premium travel benefits, airport lounge access or low-forex international spending.
Bottom Line
The YES BANK POP-CLUB Credit Card is worth considering if UPI and online purchases form a large part of your everyday spending. The zero joining fee makes it easy to enter, while the online POPcoin rewards and ₹1.5 lakh milestone can improve its long-term value.
Disclaimer: Credit-card rewards, POPcoin earning rates, welcome benefits, partner offers, fees, milestone conditions and eligibility criteria may change. Always check the latest terms from YES BANK/POP before applying. Credit cards should be used responsibly, and outstanding balances should ideally be paid in full by the due date.