YES BANK POP-CLUB Credit Card: POPcoins, Fees and Eligibility (2026)

Quick answer

Good fit if most of your card spend is online and you will actually redeem POPcoins in the POPclub app: YES BANK lists 10 POPcoins per ₹100 on e-commerce/online spends and 2 per ₹100 on other spends including UPI, with nil joining fee. The renewal fee is ₹399 + taxes, not charged if you cross ₹1.5 lakh spend in the anniversary year (and not applicable at all if your card is issued under the limited-time Lifetime Free offer). Skip it for foreign spends (3.50% mark-up) and for rent, fuel, wallet, utility, insurance, education and EMI spends, which earn no POPcoins. Approval and final terms are decided by YES BANK.

POP-CLUB card at a glance

The product page also headlines “Lifetime Free (Limited time offer)”. That matters because two versions of this card exist on paper: one issued under the Lifetime Free offer, and one on the standard ₹399 schedule. The page itself says the annual fee is “Not Applicable for Life Time Free Card”, and the MITC repeats that joining and annual fees don’t apply to Lifetime Free cards. Which version you get is shown in the application journey and your welcome documents, so check that before you assume the card will always be free.

The page also lists partner perks: a 3-month Zomato Gold Mini membership, a 6-month PharmEasy Plus membership and a Cleartrip voucher worth ₹750. It marks these with an asterisk, so the claim steps and conditions sit with POP and its partners. Read them in the app before you count them as value.

How POPcoins work

YES BANK describes POPcoins as a loyalty currency used on the POPclub website, the POPclub app and POP’s brand-partner websites. The FAQ on the product page adds four practical rules:

• The minimum transaction to earn POPcoins is ₹100.
• POPcoins are credited after your monthly credit card statement is generated, not instantly.
• POPcoins expire 365 days (one year) after they are credited.
• POPcoins are given only on personal spends.

What is a POPcoin worth?

This is the part people skip. YES BANK’s page doesn’t publish a fixed rupee value for a POPcoin. It sends you to POP for details, and redemption happens on POPclub and partner brands. So the “10 per ₹100” headline only turns into real savings if the brands you already buy from accept POPcoins at a value that makes sense to you. Before you move a big monthly spend to this card, open the POPclub app and see what your coins actually buy. Also remember the 365-day expiry: coins you don’t use within a year are lost.

What earns no POPcoins

The terms on YES BANK’s product page say POPcoins are not given on fuel, rent, wallet loads, government and marketing/advertising category transactions, ATM withdrawals, utility, insurance premiums, POI funding transactions, or transactions converted into EMI. With effect from 1 June 2026, education transactions were added to that list. The page lists indicative merchant category codes, for example 6513 for rent, 6540 for wallet loads, 4900 for utilities and 6300 for insurance, and notes that MCCs are set by the card network, not by the bank.

Two more limits are worth knowing. Only five rent transactions are allowed in any 30 days. And because the card runs on RuPay, many people will use it for UPI. That is allowed, but UPI spends fall in the 2-per-₹100 bucket, not the 10-per-₹100 online bucket. If most of your spend is scan-and-pay at local shops, the headline rate isn’t the rate you will see.

Fees and charges from the YES BANK MITC

The MITC also says cash withdrawal on a new YES BANK credit card is suspended for the first six months after onboarding. After that, the cash limit is a part of your credit limit, and cash advances attract interest from the day you withdraw. On fuel, the MITC lists a 1% + GST fee if a single fuel transaction is above ₹10,000 or if monthly fuel spend crosses ₹25,000 (capped at ₹5,000 per transaction). The bank also lists a 1% fuel surcharge waiver for POP-CLUB on transactions between ₹1,000 and ₹3,500, capped at ₹100 per statement cycle, from 1 June 2026. GST on the surcharge is not waived.

The big one for travellers is the 3.50% forex mark-up, plus 18% GST on the mark-up. If you shop on foreign websites or travel abroad, compare options in our zero forex markup credit card guide before you use POP-CLUB abroad.

Eligibility and how to apply

You apply through POP’s website or app, not a YES BANK branch form. The Apply Now button above opens POP’s application page through our partner network. Read the fee shown on your application screen carefully: that is where you will see whether you’re being offered the Lifetime Free version or the standard ₹399 schedule. Meeting the published criteria doesn’t guarantee a card. YES BANK decides approval and your credit limit, and the MITC says the variant offered depends on eligibility and the bank’s discretion.

Simple maths: does the fee pay for itself?

These examples only multiply the published earn rates. They count POPcoins, not rupees, because the bank doesn’t publish a rupee value per coin.

• ₹12,500 a month, all online: about 1,250 POPcoins a month, roughly 15,000 in a year. That is ₹1.5 lakh of yearly spend, so you also get the 1,500-coin milestone and the ₹399 renewal isn’t charged.
• ₹6,000 online + ₹4,000 UPI a month: about 600 + 80 = 680 POPcoins a month. That is ₹1.2 lakh a year, short of ₹1.5 lakh, so on the standard schedule you would pay ₹399 + GST and get 400 POPcoins back.
• ₹10,000 a month in rent and utilities: zero POPcoins, plus rent fees (₹199 + GST on a ₹10,000 rent payment, as the MITC’s own example shows). This card is the wrong tool for that spend.

The renewal fee is small. The bigger risk is interest: at 3.99% a month, a revolving balance wipes out a year of coins in no time. Pay the full bill by the due date, every month.

Who should get it and who should skip

• Good fit: people whose card spend is mostly online, who already buy from POPclub partner brands, and who want a RuPay card for UPI with no joining fee.
• Maybe: first-jobbers who meet the ₹25,000 net salary rule and want a low-cost starter card. Treat POPcoins as a bonus, not the reason.
• Skip: existing YES BANK credit cardholders (not eligible), frequent international spenders, and anyone whose spend is mostly rent, fuel, utilities, insurance or EMIs.

If your spend leans towards food delivery or Tata brands instead, read our Swiggy HDFC credit card benefits guide and the Tata Neu Plus vs Infinity comparison. The POP-CLUB product page we read lists no airport lounge benefit, so for lounges see our credit card for lounge access guide.

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