YES BANK POP‑CLUB Credit Card Review 2026: 10% Rewards & Lifetime Free Benefits
Last Updated: 20/02/2026 | by Amit Sharma
The YES BANK POPclub Credit Card is a co-branded RuPay card offering a 10% reward rate on online spends and accelerated 5% POPcoins on UPI transactions. It is currently available with zero joining fees and includes a welcome package worth ₹5,000 for digital-first users in India.
👉 Apply for Your Lifetime Free POP‑CLUB Card Here
Quick Summary: YES BANK POP‑CLUB Credit Card at a Glance
| Feature | Details |
| Joining Fee | ₹0 (Limited-time Lifetime Free offer) |
| Annual Fee | ₹399 (Waived on annual spends of ₹1.5 Lakh) |
| Online Rewards | 10 POPcoins per ₹100 spent (10% Value) |
| UPI Rewards | Extra 5% POPcoins via POP UPI App |
| Redemption Value | 1 POPcoin = Up to ₹1 on POP Shop |
| Welcome Benefits | Perks worth ₹5,000 (Zomato Gold, Blinkit, Cleartrip, etc.) |
Why the YES BANK POP‑CLUB is the Best RuPay Card for 2026
For modern Indian consumers, this card bridges the gap between traditional credit and daily UPI convenience.
1. High-Value Welcome Benefits (₹5,000+)
Upon activation and first transaction, you receive a curated set of subscriptions and vouchers:
- Dining & Groceries: 3 months of Zomato Gold Mini and 5 free Blinkit deliveries.
- Travel & Mobility: ₹750 Cleartrip voucher and 24 Rapido ride passes (2 per month).
- Health & Wellness: 6-month PharmEasy Plus membership and ₹500 Cult Sport voucher.
2. Industry-Leading Reward Structure
The “POPcoin” ecosystem simplifies rewards by offering high value for digital spends:
- Online Shopping: Earn 10 POPcoins for every ₹100 spent on all online platforms.
- Offline Spends: Earn 2 POPcoins for every ₹100 spent in-store.
- Accelerated UPI: Linking your RuPay card to the POP UPI app adds an extra 5% in rewards for merchant payments.
3. Flexible Redemption Options
Unlike cards with complex point systems, 1 POPcoin can equal ₹1 when shopping at 500+ partner brands on the POP Shop. For direct brand vouchers like Blinkit or Zomato, the rate is ₹0.25 per coin.
Eligibility and Application Requirements
To ensure approval, ensure you meet the following criteria:
- Age: 21 to 60 years.
- Income (Salaried): Minimum net monthly income of ₹25,000.
- Income (Self-Employed): Annual ITR of ₹5 Lakhs to ₹7.5 Lakhs.
- Credit Score: A minimum bureau score of 780+ is typically required for successful disbursal.
- Exclusion: Existing YES Bank credit cardholders are currently ineligible for this specific co-branded variant.
Read about The Ultimate Guide: Best UPI RuPay Credit Cards for Salaried
Frequently Asked Questions (FAQ)
Is the YES BANK POP‑CLUB card truly Lifetime Free?
The card is currently offered with a ₹0 joining fee. The annual fee of ₹399 is waived if you reach the milestone of ₹1.5 Lakh in annual spends.
Can I use this card for UPI payments on PhonePe or Google Pay?
Yes. As a RuPay card, you can link it to any UPI app. However, using the POP UPI app specifically unlocks an additional 5% reward rate.
When are the welcome benefits credited?
The 500 bonus POPcoins and vouchers are typically issued after your first successful card transaction within the first 30 days.
What are the fees for fuel and utility transactions?
The card offers a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000. Note that utility, rent, and insurance payments do not earn POPcoins.
Final Verdict: Should You Apply?
If your monthly expenses include Zomato, Blinkit, and frequent UPI payments, the YES BANK POP‑CLUB Credit Card offers the highest value-back in its category for 2026.
👉 Apply Now & Claim Your ₹5,000 Welcome Benefits
Disclosure: This post contains affiliate links. We may earn a commission if you apply through them, at no extra cost to you.
Amit Sharma is the Lead Analyst at Invest With Bull, leveraging 11 years of market experience to simplify personal finance for salaried professionals. From mastering credit card arbitrage and navigating personal loans to structuring robust retirement and FIRE (Financial Independence, Retire Early) strategies, Amit provides data-backed, actionable analysis. His mission is to cut through complex banking jargon and deliver the unbiased research you need to achieve absolute financial freedom.
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