YES Bank POP-CLUB Credit Card

The YES Bank POP-CLUB Credit Card is a co-branded RuPay card with zero joining fees, rewarding every spend with POPcoins and perks worth up to Rs.5,000. You earn 10 POPcoins per Rs.100 online and 2 per Rs.100 offline, redeemable on the POPclub app and 500+ partner brands. The Rs.399 annual fee is waived once you spend Rs.1.5 lakh in a card year. 

Updated On - 28 Sep 2026
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What is the YES Bank POP-CLUB Credit Card?

The YES Bank POP-CLUB Credit Card is a co-branded credit card, launched in collaboration with Pop Club. This card is designed to offer exclusive rewards and benefits like free Blinkit deliveries, Cleartrip vouchers, PharmEasy and Zomato memberships, etc. 

Offered at zero joining fees and you get welcome perks worth up to Rs.5,000 with this card. The card also supports UPI payments via RuPay and lets you earn POPcoins on every transaction. Backed jointly by YES Bank and Pop Club, this card combines reward points, cashback offers, and special deals, making it a smart choice for individuals who value flexibility, convenience, and tailored benefits.

Yes Bank Pop Club Credit Card
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Features and Benefits for YES Bank POP-CLUB Credit Card

The features and benefits of YES Bank POP-CLUB credit card are as given below: 

  • Welcome Benefits: With this credit card, you get perks worth Rs.5,000 as welcome benefit. 
  • Zero Joining Fees: This credit card is offered at zero joining fee. 
  • Reward Points: Get 500 POPcoins on activating this card. For every Rs.100 spent on online transactions, you earn 10 POPcoins. For every Rs.100 spent on offline transactions, you earn 2 POPcoins. Moreover, you earn accelerated POPcoins on 500+ selected brands via the POPclub app. You will have to link your RuPay Credit Card on POPUPI to earn additional POPcoins. 
  • Fuel Surcharge Waiver: This credit card offers a 1% fuel surcharge waiver on fuel transactions between Rs.1,000 and Rs.3,500, capped at a maximum waiver of Rs.100 per statement cycle.
  • Milestone Benefits: You earn 1500 POP coins on crossing spends worth Rs.1.5 lakh with this credit card. 
  • POPcoins Exclusions: POPcoins are not credited on fuel, rent, wallet-load, utility, insurance premium, government, education, or marketing and advertising category spends, nor on ATM withdrawals or transactions converted to EMI. 
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Eligibility Criteria for YES Bank POP-CLUB Credit Card

The eligibility criteria are as mentioned below:

Criteria

Details

Age

Between 21 and 60 years

Employment

Salaried or self-employed

Income Requirement

Minimum net salary of Rs. 25,000 per month or Income Tax Return of Rs.7.5 lakh and above

Eligibility Note

Existing YES BANK Credit Cardholders are not eligible

Documents Required to Apply for YES Bank POP-CLUB Credit Card:

The below-listed documents are required to apply for YES Bank POP-CLUB credit card:  

  • Valid Income Proof: Bank Statements, Salary Slips (not more than three months old), ITR, Form 60, etc.  
  • Valid Identity Proof: Aadhaar card, Passport, Ration Card, etc.  
  • Valid Address Proof: Electricity Bill, Telephone Bill, Driving Licence, etc.  
  • PAN Card  
  • Multiple copies of passport sized photographs  

Note: The below-listed documents are in general, and the bank may request additional documents based on your application and internal policies. 

Fees and Charges for YES Bank POP-CLUB Credit Card

Fees and charges for the YES BANK POP-CLUB Credit Card is mentioned below:

Particulars

Fees and Charges

Joining Fee

Nil

Annual Membership Fee (Renewal)

Rs.399 + applicable taxes, waived if a spend of Rs.1,50,000 is met in the card anniversary year. Cards currently issued under YES Bank's ‘Lifetime Free’ limited-time offer are exempt from this fee altogether.

Interest Rate

3.99% per month (47.88% p.a.) on Revolving Credit, Cash Advances, and Overdue Amounts

Rental Transaction Charges

For transactions up to Rs.1,000, a fee of 1% of the transaction value or Re.1 will be charged 

For transactions above Rs.1,000, a fee of 1% of the transaction value or Rs.199, whichever is higher will be charged 

Note: Number of transactions is capped at five per 30 days  

Wallet Transaction Charges

1% of the transaction value or Rs. 1 (whichever is higher) for transactions above Rs. 1

Utility Charges

1% + applicable GST for utility spends above Rs. 15,000 per month; fee capped at Rs. 3,000 per month

Education Fee Payment Charges

1% + applicable GST for education transactions via third-party platforms (CRED, PhonePe, etc.); fee capped at Rs. 5,000 per month

Fuel Transaction Charges

The total fuel transaction fee is capped at Rs.5,000 per transaction.

Fuel Transaction Charges 

The total fuel transaction fee is capped at Rs.5,000 per transaction. 

Note: The interest rates are effective from 3 October 2025.

How to Apply for YES BANK POP-CLUB Credit Card

You can apply for the YES BANK POP-CLUB Credit Card online or offline:

Online Application:

Follow the steps given below to submit an online application for YES Bank POP-CLUB credit card:  

  • Step 1: Visit YES Bank's official website and search for the YES BANK POP-CLUB Credit Card or directly click on this link.
  • Step 2: Enter your name as it appears on your Aadhaar Card, along with your date of birth and mobile number.
  • Step 3: Click the 'Apply Now' button.
  • Step 4: Follow the on-screen instructions to complete the application process.
  • Step 5: Upon completion, you will receive a confirmation message regarding your application.

Offline Application:

Follow the steps given below to submit an offline application for YES Bank POP-CLUB credit card: 

  • Step 1: Visit your nearest YES Bank branch with all the required documents.
  • Step 2: Fill out the application form available at the branch.
  • Step 3: Submit the form along with your documents for verification.
  • Step 4: If all details are correct after verification, your application will be approved, and the POP-CLUB Credit Card will be mailed to your registered address.

YES BANK POP-CLUB Credit Card Grievance Redressal

Customer Support:

Escalations:

  • Contact YES BANK's Principal Nodal Officer: Mr. Vikas Bindal.
  • Address: YES BANK Ltd, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai – 400055.
  • Email: principal.nodalofficer@yesbank.in.
  • Phone: 022 3948 9374 (Available Monday to Friday, 9:30 AM – 5:30 PM).
  • For issues related to mis-selling or harassment by a bank representative, call 022 3948 9374.

Banking Ombudsman:

  • If no response is received within one month or the cardmember is dissatisfied, they can escalate the issue to the Banking Ombudsman.
  • Details on the Banking Ombudsman scheme are available on the RBI's official grievance redressal webpage.

Summary

The YES Bank POP-CLUB Credit Card is a zero-joining-fee, co-branded RuPay card built with Pop Club that turns everyday spending into POPcoins redeemable across 500+ partner brands. Key benefits include welcome perks worth up to Rs.5,000, accelerated online rewards, and an annual fee that's waived on Rs.1.5 lakh of yearly spend. You can check your eligibility and apply through YES Bank's website, the POPclub app, or your nearest YES Bank branch. 

FAQs on YES Bank POP-CLUB Credit Card

1.What is the YES Bank POP-CLUB Credit Card?

The YES Bank POP-CLUB Credit Card is a co-branded RuPay credit card that YES Bank offers in partnership with Pop Club. It rewards everyday online and offline spending with POPcoins, a loyalty currency you can track and redeem through the POPclub app. The card also supports UPI payments.

2.Who can apply for the YES Bank POP-CLUB Credit Card?

Anyone meeting YES Bank's age, income and employment criteria can apply for the YES Bank POP-CLUB Credit Card. Both salaried and self-employed individuals are eligible, subject to the minimum income requirement listed in the Eligibility Criteria section above. Existing YES Bank credit cardholders cannot apply for this card.

3.What documents do I need to apply for the YES Bank POP-CLUB Credit Card?

You need valid income, identity and address proof to apply for the YES Bank POP-CLUB Credit Card, along with your PAN card and photographs. Acceptable documents are listed in the Documents Required section above. YES Bank may ask for additional documents depending on your application.

4.Does the YES Bank POP-CLUB Credit Card have a joining fee?

No, the YES Bank POP-CLUB Credit Card is offered with zero joining fees. An annual membership fee may apply on renewal, as explained in the Fees and Charges section above. The fee is linked to a yearly spend-based waiver that YES Bank offers.

5.What are POPcoins?

POPcoins are the loyalty currency you earn on the YES Bank POP-CLUB Credit Card for eligible purchases. You can check your POPcoins balance and redeem them through the POPclub website or the POPclub mobile app. POPcoins are credited once your monthly credit card statement is generated.

6.How do I earn POPcoins with the YES Bank POP-CLUB Credit Card?

You earn POPcoins on the YES Bank POP-CLUB Credit Card by spending online or offline, with online and POPclub app transactions earning at an accelerated rate. Linking your card on POPUPI can help you earn additional POPcoins. Certain transaction categories are excluded from earning POPcoins, as noted in the Features and Benefits section above.

7.Is there a minimum spend to earn POPcoins?

Yes, the YES Bank POP-CLUB Credit Card requires transactions to meet a minimum value before they earn POPcoins. Spends below this value do not qualify for POPcoins. The current threshold is available on the POPclub app and website.

8.Which transactions do not earn POPcoins on the YES Bank POP-CLUB Credit Card?

Certain transaction categories, such as fuel, rent, wallet loads and utility payments, do not earn POPcoins on the YES Bank POP-CLUB Credit Card. Government, insurance, education and EMI-converted transactions are also excluded. The full list of exclusions is available in the Features and Benefits section above.

9.How long are POPcoins valid?

POPcoins earned on the YES Bank POP-CLUB Credit Card remain valid for a fixed period from the date they are credited to your account. Unused POPcoins lapse once this validity period ends. You can track a POPcoin's validity through the POPclub app.

10.How can I redeem POPcoins?

You can redeem POPcoins earned on the YES Bank POP-CLUB Credit Card through the POPclub app for direct discounts, trial packs, or exclusive deals. POPcoins can also be used for discounts across POPclub's partner brands. Redemption is managed entirely through the POPclub platform.

11.Can existing YES Bank credit cardholders get the POP-CLUB Credit Card?

No, existing YES Bank credit cardholders are not eligible for the YES Bank POP-CLUB Credit Card. This card is intended for customers who do not already hold a YES Bank credit card. Eligibility is otherwise assessed as per YES Bank's standard criteria. 

12.What should I do if I have a complaint about my YES Bank POP-CLUB Credit Card?

If you are dissatisfied with YES Bank's service on your POP-CLUB Credit Card, you can reach out through the customer support channels listed in the Grievance Redressal section above. If your issue remains unresolved, you can escalate it to YES Bank's Nodal Officer. An unresolved escalation can further be taken to the Banking Ombudsman. 

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