In a world increasingly dominated by digital payments and online spending, credit cards have become essential financial tools—not just for convenience but for maximizing value through rewards, offers, and cashback. The YES Bank POP Club Credit Card, a co-branded credit card introduced by YES Bank in collaboration with POPclub, stands out in this space with its unique proposition centered around lifestyle benefits, digital rewards, and value-driven perks.

This guide explores every aspect of this credit card—from its benefits and features to charges, real-world user experience, and tips to make the most of it.

1. Introduction: What Is the YES Bank POP Club Credit Card?

Launched by YES Bank in partnership with POPclub, the POP Club Credit Card is designed for modern consumers who spend heavily on lifestyle services such as food delivery, ride-hailing, travel bookings, and online shopping. It works on the RuPay network, which also allows UPI-based credit card transactions—a major plus for Indian users looking to maximize UPI integration.

What makes it stand out is the seamless combination of welcome rewards, POPcoins-based cashback system, and everyday value from partner brands like Blinkit, Zomato, Cleartrip, and more.

2. Card Fees and Charges

Understanding the cost of ownership is critical for evaluating any credit card. Here’s a breakdown of the key charges:

Joining Fee: ₹0 (Limited Time Offer; valid until March 31, 2025)
Annual Fee: ₹399 + 18% GST (effectively ₹471)
Fee Waiver Condition: Annual fee waived if you spend ₹1.5 lakh in a membership year
Interest Charges on Outstanding Balances: 3.99% per month (approx. 47.88% per annum)
Cash Withdrawal Fee: 2.5% or ₹300, whichever is higher
Foreign Transaction Fee: 3.5% of the transaction amount
Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹400 and ₹5,000

If you are a disciplined spender who pays bills on time and reaches the spending milestone, you can effectively enjoy this card at no annual cost.

3. Reward Structure: How POPcoins Work

Instead of traditional cashback or points, the POP Club Credit Card rewards you with POPcoins, a digital currency used within the POPclub ecosystem. These coins can be redeemed for offers, vouchers, or products listed on the POPclub platform.

Here’s how POPcoins are earned:

Transaction Type	POPcoins Earned per ₹100 Spent	Approx. Cashback Equivalent
Online Purchases	10 POPcoins	~2.5%
Offline Retail Transactions	2 POPcoins	~0.5%
UPI Transactions (RuPay)	5 POPcoins	~1.25%

Additional Benefits:

Get 500 POPcoins upon first transaction
Earn 1,500 POPcoins as a milestone reward on crossing ₹1.5 lakh in yearly spending
POPcoins are valid for up to 12 months

Note: 1 POPcoin is generally valued at ₹0.25, though this may vary depending on the redemption option.

4. Welcome Offers & Lifestyle Benefits

One of the card’s biggest attractions is the welcome bundle, valued at over ₹5,000. These benefits are especially targeted at digital-savvy users.

Here’s a summary of what you get:

Blinkit: 5 free deliveries
Cleartrip: ₹750 voucher plus ₹1 cancellation/rescheduling fee
Zomato: 3-month Zomato Gold Mini membership
Cult.Sport: ₹500 voucher
PharmEasy: 6-month PharmEasy Plus subscription
Rapido: 2 free rides/month (₹100 each)
Fuel Surcharge Waiver: 1% on eligible transactions

These offers cover everything from travel and fitness to daily grocery deliveries, making the card ideal for everyday lifestyle expenses.

5. POPcoins Redemption Process

Redeeming your earned POPcoins is a key part of the value proposition. POPcoins can only be redeemed via the POPclub app or website, and are usable across a wide selection of brands and services.

Steps to redeem POPcoins:

Log in to your POPclub account
Browse the POPcoins marketplace
Choose vouchers or products that match your POPcoins balance
Complete the redemption (may require partial payment if POPcoins are insufficient)

Important Tips:

Some users report that item pricing may be inflated in the POPclub store—always check retail prices before redeeming.
POPcoins cannot be converted to cash or transferred.

6. UPI Compatibility – A Major Advantage

One standout feature is that the YES Bank POP Club Card works with UPI via RuPay, thanks to the card’s integration with UPI-based credit card infrastructure.

Benefits include:

Earn POPcoins on UPI-based spends
Use the card directly via UPI apps (PhonePe, Google Pay, Paytm, etc.)
Increased rewards flexibility across small merchants and day-to-day transactions

This is especially useful for users who prefer digital payments even at local kirana stores or street vendors.

7. Real User Feedback – What Are Cardholders Saying?

From Reddit threads to credit card review sites, user opinions vary depending on usage style.

Pros:

High rewards on online and UPI purchases
Attractive welcome perks with real value
No joining fee during promotional period
Useful lifestyle partnerships with brands like Zomato, Rapido, and Cult

Cons:

Limited redemption options through POPclub only
Inflated prices on redemption marketplace products
No airport lounge access or premium travel features
Customer service response times can be slow in case of reward-related queries

“It’s great for online-heavy spenders but redemption needs to be handled wisely. Don’t redeem POPcoins on overpriced merchandise.” – Reddit user

8. Who Should Consider This Card?

This card is perfect for:

Urban millennials and Gen Z users
People who shop or order online frequently
Users who can spend ₹1.5 lakh/year to waive the fee
UPI users looking to earn on credit card UPI transactions

Avoid this card if:

You prefer direct cashback or points transferable to air miles
You want travel-related perks like lounge access or free hotel stays
You don’t use the POPclub app or partner brands

9. Smart Usage Strategy – Maximize Value

To get the most from this card:

Use the card for all online shopping—especially groceries, food delivery, and health services
Utilize the UPI linkage to earn extra POPcoins on small daily transactions
Spend ₹1.5 lakh per year to earn milestone rewards and avoid the annual fee
Pay your credit card bill in full each month to avoid interest
Redeem POPcoins selectively—only for high-value, low-markup products

By following this strategy, you can achieve an effective reward rate of 2–3% on everyday spending.

10. How It Compares with Other Credit Cards

Feature	YES Bank POP Club	Axis Ace	HDFC Millennia
Joining Fee	₹0 (limited offer)	₹499	₹1,000
Annual Fee Waiver	₹1.5L spend	₹2L spend	₹1L spend
Online Rewards	~2.5% (POPcoins)	5%	5%
UPI Rewards	Yes (5 POPcoins)	No	No
Travel Benefits	No	No	Lounge Access
Redemption Flexibility	Limited (POPclub)	Good	Average

As the table shows, the POP Club card is less flexible in redemption but competitive on UPI and lifestyle rewards.

11. Final Verdict

The YES Bank POP Club Credit Card is a solid lifestyle credit card with high potential value for the right user. It’s built for people who:

Spend mostly online
Want UPI compatibility
Use brands like Zomato, Blinkit, Cleartrip, and Cult regularly

Its fee waiver condition is achievable for moderate to heavy spenders, and its welcome bundle offers immediate value. However, its redemption system is restrictive, and those seeking cash-based rewards or travel benefits may find it lacking.