YES Bank POP-CLUB RuPay Credit Card
YES Bank
last updated: Nov 28, 2025
₹399
₹0
3.5%
No lounge access
Contents
YES Bank POP-CLUB RuPay Credit Card is a beginner-friendly, lifestyle and shopping credit card built around POPcoins and UPI payments. Co-branded with POP UPI, it offers high rewards on online spends, RuPay UPI transactions and POPshop purchases, making it ideal for digital-first users. With zero joining fee, affordable annual fee and fee waiver on reaching ₹1.5 lakh annual spends, it works well as a rewards-first card for students, young professionals and first-time credit card users who spend heavily online and through UPI.
Features of YES Bank POP-CLUB RuPay Credit Card which makes it unique
POPcoins Rewards Ecosystem
Single rewards currency (POPcoins) that works across online spends, UPI transactions and POPshop shopping.
Easy to earn and redeem across food, travel, fashion, health and lifestyle brands.
More flexible than traditional bank reward points restricted to limited partners.
UPI-First RuPay Credit Card Design
Built natively for RuPay UPI credit card payments, allowing you to earn rewards while paying via UPI instead of a debit card.
Maximises rewards on QR code and UPI spends that usually earn nothing on normal bank accounts.
Stands out versus many entry-level cards that do not reward UPI payments.
Limited-Time Lifetime Free Offers
Campaigns often run with lifetime free variants (no annual fee ever) for approved applications during specific periods.
Potential zero annual cost for the entire card lifecycle when applied under eligible LTF campaigns.
Attractive versus competing entry-level cards that permanently charge annual or renewal fees.
Rewards Structure of YES Bank POP-CLUB RuPay Credit Card
Online Spends
acceleratedAll eligible online transactions made on e-commerce, food delivery apps, travel bookings, OTT subscriptions and bill payments (excluding restricted categories such as utilities, rent, insurance and wallet loads as per bank policy).
High POPcoins earn rate on online shopping helps maximise rewards for digital-first users and frequent online shoppers.
Offline Spends
baseCard swipes and contactless transactions at physical POS terminals for everyday offline purchases.
Base reward rate that covers most day-to-day spends such as grocery, local shopping and dining at physical outlets.
RuPay UPI Transactions
acceleratedRuPay credit card-linked UPI payments made via POP UPI app and supported UPI apps on eligible merchant categories.
Designed as a UPI-first credit card, giving strong rewards on UPI payments when you link the YES Bank POP-CLUB RuPay Credit Card to POP UPI.
POPshop Purchases
acceleratedShopping at POPshop and partner brands listed on the POP ecosystem.
Extra POPcoins and higher effective value when redeeming on POPshop, especially for fashion, grooming, gadgets and lifestyle brands.
Welcome POPcoins
baseCard approval, activation and completion of required steps such as first transaction or POP UPI linkage within the specified time window.
Welcome POPcoins can be redeemed for vouchers, cashback or POPshop discounts, giving instant value when you start using the card.
Milestones of YES Bank POP-CLUB RuPay Credit Card
Annual Spend Milestone
₹1,50,000 in a card anniversary year : Annual fee waiver worth ₹399 + GST and additional POPcoins or partner offers as per prevailing YES Bank and POP UPI campaigns.
Fees & Charges of YES Bank POP-CLUB RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹399 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:₹399 + GST from the second year, waived on annual retail spends of ₹1,50,000 or more as per YES Bank’s current policy.
Fee Explanation Standard YES Bank credit card charges apply, including finance charges of up to 3.8%–3.99% per month on revolving balances, cash advances and overdue amounts, forex markup of around 3.5% on international transactions, and additional charges on rent, utilities and wallet loads as per the bank’s latest schedule of charges.
Insurance Coverage with YES Bank POP-CLUB RuPay Credit Card
Lost Card Liability Cover
Up to the credit limit, as per YES Bank policyLiability protection from the time of reporting loss to YES Bank; subject to successful verification and exclusion of customer negligence or fraud.
Fraud Protection
As per YES Bank’s standard fraud protection programmeCovers unauthorised transactions reported promptly in line with RBI and YES Bank guidelines on zero liability and limited liability.
Additional Features of YES Bank POP-CLUB RuPay Credit Card
UPI Credit Card Payments
Link the YES Bank POP-CLUB RuPay Credit Card to supported UPI apps to pay via UPI QR while enjoying POPcoins on eligible spends.
Only RuPay credit card-linked UPI transactions on eligible merchant categories earn POPcoins; P2P and restricted categories do not earn rewards.
Contactless Payments
Tap-and-pay enabled for quick, secure contactless payments at NFC-enabled POS terminals.
Contactless transaction limits and PIN requirements follow current RBI and YES Bank guidelines.
EMI Conversion
Option to convert high-value purchases into EMIs via YES Bank net banking, mobile app or customer care.
EMI processing fee and interest rate apply as per bank policy; eligible transactions and minimum amount criteria must be met.
Digital Card Management
Control card usage through YES Bank mobile app, including channel controls, international usage toggles and transaction limits.
Requires a registered YES Bank net banking or mobile banking profile and active card.
Welcome Bonus with YES Bank POP-CLUB RuPay Credit Card
Welcome Bonus: ₹5,000 worth POPcoins
Bonus Conditions: Welcome benefits worth up to ₹5,000 typically include 500 bonus POPcoins, free Blinkit deliveries, complimentary PharmEasy Plus membership and other partner offers. Exact benefits, eligibility, and fulfilment steps (such as first transaction, linking your RuPay credit card to POP UPI and activating offers in the POP app) are governed by YES Bank and POP UPI campaign terms and may change periodically.
Application Process for YES Bank POP-CLUB RuPay Credit Card
Processing Time
Typically 3–7 working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the YES Bank POP-CLUB RuPay Credit Card page on the YES Bank website, POP UPI website or partner campaign page.
Check basic eligibility such as age, income, existing credit card history and residential status.
Fill out the online application form with personal, employment and income details and consent to credit bureau checks.
Upload KYC documents or complete digital KYC as requested by YES Bank.
Wait for telephonic or digital verification, after which YES Bank will take an approval decision.
On approval, receive the physical card at your registered address and set PIN via net banking, mobile app or IVR.
Link the RuPay credit card to supported UPI apps to start earning POPcoins on UPI-based spends.
Required Documents for YES Bank POP-CLUB RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
YES Bank POP-CLUB RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Strong acceptance across India at most online and offline merchants that support RuPay credit cards and UPI QR payments.
International Acceptance
Usable at select international merchants where RuPay or its partner networks are accepted; however, this card is primarily optimised for domestic and UPI-based usage.
Online Acceptance
Widely accepted on major Indian e-commerce, food delivery, travel and bill payment platforms that support RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank POP-CLUB RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN, Aadhaar and address proof, should not already hold another YES Bank credit card, must meet internal YES Bank and POP UPI risk criteria and may also apply via card-on-card facility using an existing credit card from another issuer.
How Approval Is Decided
- Minimum age of 21 years and Indian residency.
- Stable monthly income (typically ₹25,000 or more) or eligibility under card-on-card programme.
- Good credit bureau track record with no major defaults or write-offs.
- Applicant must not already hold an active YES Bank credit card at the time of applying.
- Final approval, credit limit and card variant remain at the sole discretion of YES Bank based on internal policies.
Pros of YES Bank POP-CLUB RuPay Credit Card
- Zero joining fee and affordable annual fee with a realistic annual spend waiver.
- Very high rewards on online and RuPay UPI spends via POPcoins.
- Welcome benefits and partner vouchers covering food, groceries, health and travel use cases.
- Ideal as a first rewards credit card for students and young professionals who spend mostly online.
- RuPay network support enables UPI credit card payments at a wide range of Indian merchants.
Cons of YES Bank POP-CLUB RuPay Credit Card
- No complimentary airport lounge access or premium travel benefits.
- Limited direct value for users who rarely shop online or use UPI for payments.
- International usage is possible but not the core strength due to standard forex markup charges.
- Rewards are POPcoins-based, so full value is realised only when you redeem smartly via POPshop or partner vouchers.
Frequently Asked Questions about YES Bank POP-CLUB RuPay Credit Card
Does the YES Bank POP-CLUB RuPay Credit Card support UPI payments?
Yes, since it is on the RuPay network, you can link this credit card to supported UPI apps and pay via UPI QR codes. Eligible RuPay UPI credit card payments earn POPcoins, making this card very attractive for users who heavily use UPI for everyday spending.
Are there any exclusions where POPcoins are not earned?
Yes. As with most Indian credit cards, categories such as utilities, rent payments, insurance premiums, wallet loads, fuel and certain other restricted transactions may not earn POPcoins or may earn at a lower rate. Always check the latest YES Bank POP-CLUB RuPay Credit Card terms and POP UPI app conditions for updated inclusion and exclusion lists.
Who should consider applying for the YES Bank POP-CLUB RuPay Credit Card?
This card is best suited for beginners, students, freelancers and young professionals who spend heavily on online shopping, food delivery, groceries and UPI payments. If you want a low-cost, rewards-first RuPay credit card that works seamlessly with UPI and digital commerce, the YES Bank POP-CLUB RuPay Credit Card is a strong option.
Does the YES Bank POP-CLUB RuPay Credit Card offer airport lounge access or travel insurance?
No, the POP-CLUB RuPay Credit Card focuses on lifestyle, online and UPI rewards rather than travel. It does not come with complimentary airport lounge access or premium travel insurance benefits. If travel perks are a priority, you may want to pair this card with a dedicated travel or lounge-access credit card.
Is there any joining fee on the YES Bank POP-CLUB RuPay Credit Card?
No, the YES Bank POP-CLUB RuPay Credit Card currently comes with zero joining fee. You pay nothing to get the card, and only a modest annual fee from the second year onwards, which can be waived on achieving the required annual spend.
What is the annual fee and how can I get it waived?
The annual fee is ₹399 plus GST from the second year. YES Bank waives this annual fee if you achieve at least ₹1,50,000 eligible retail spends in the previous 12-month period, effectively making the card free for regular users.
How do POPcoins work on the YES Bank POP-CLUB RuPay Credit Card?
You earn POPcoins on almost every eligible transaction: higher POPcoins on online spends and RuPay UPI payments, and base POPcoins on offline POS transactions. These POPcoins can be redeemed on POPshop, POP UPI or partner platforms for vouchers, discounts or cashback, giving strong value if you redeem them smartly.
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