Why you should get it
Gen Z & Online Shoppers
- 10% POPcoins on Online Transactions
- 5% Extra POPcoins on UPI via POP App
- Welcome Benefits worth ₹5,000 (Zomato Gold, etc.)
- RuPay Network for UPI Payments
Back to Browse
Why get it Why skip it Annual fee₹399 Fee waiver₹1,50,000 Best return10% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Visits listedNo access Access ruleNo access Coverage sourcePolicy fallback
Yes Bank • RuPay
Yes Bank Pop-Club Credit Card
Decision memo
Get it if
Use this card first for gen z & online shoppers-aligned spends before routing to general-spend cards
Skip it if
Rewards are in POPcoins (ecosystem lock-in)
Verified 12 Feb 2026VerifiedHigh confidence1 source checked
For Gen Z & Online Shoppers. 10% on online spend. ₹399 fee, waiver at ₹1,50,000. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Rewards are in POPcoins (ecosystem lock-in)
- No Airport Lounge Access
- 3.5% Forex Markup
Annual Fee₹399Annual fee applies from year 1.
Spend to Waive Fee₹1,50,000Waived on ₹1.5 Lakhs spend
Best Category Return10%Online spend
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Use this card first for gen z & online shoppers-aligned spends before routing to general-spend cards.
- Prioritize transactions in accelerated bands (online 10.0%, upi 5.0%) and shift overflow after cap pressure appears.
- Track annual spend against fee-waiver threshold and reassess renewal if utilization remains low.
Watch before applying
- Rewards are in POPcoins (ecosystem lock-in)
- No Airport Lounge Access
- Missing cap/milestone checkpoints can lower realized return versus projected return.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee applies from year 1.
Waived on ₹1.5 Lakhs spend
Online spend
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No complimentary lounge visits are currently listed.
Source snapshot maps to "Yes Bank Pop-Club Credit Card" (0 lounges: 0 domestic, 0 international). Policy override notes: • YES Pop-Club is currently positioned as a rewards/POPcoins card. • No airport lounge entitlement is listed in current product-facing data. • No lounge spend-unlock rule is listed for YES Pop-Club. • No lounge quarter/cycle entitlement is listed for YES Pop-Club. • Guest lounge access is not listed for YES Pop-Club. • Priority Pass is not listed for YES Pop-Club. Verify latest spend criteria and guest access with issuer before travel.
Policy fallback: Policy-only fallback: no airport lounge entitlement is listed in current product-facing data.
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.