YES Bank POP-CLUB RuPay Credit Card
YES Bank • RuPay
Zero joining fee co-branded RuPay UPI card earning POPcoins on Zomato, PharmEasy, and everyday QR spends.
Underwriting & Income Cutoffs
Existing bank account holders ya verified ₹25,000/month net salary wale users ko yeh virtual form me 60 seconds me instant approve mil jata hai bina kisi physical documentation ke.
POPcoins Best Valued Inside POP App
Earned POPcoins yield highest value (1 POPcoin = ₹1) only when redeemed on the POP app catalog; outside conversion is restricted.
POPcoins ka pura fayda tabhi milega jab aap POP app ke partner brands (Zomato/PharmEasy etc.) par use karein; direct cash statement credit nahi milta.
Source: POP Club Rewards Policy 2026
1% Surcharge on Rent Payments
Rental transactions incur a 1% surcharge plus GST, with no POPcoins awarded.
Rent pay karne par 1% extra charge lagega aur koi reward points nahi milenge.
Source: YES Bank Rental Policy 2026
Calculate Your Real Annual Profit on YES Bank POP-CLUB RuPay Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is YES Bank POP-CLUB RuPay Credit Card Worth It in 2026? Honest Review, Pros & Cons
YES Bank ka YES Bank POP-CLUB RuPay Credit Card credit card market me kaafi popular hai, lekin card lene se pehle iska real-world bachat aur kharcha samajhna bahut zaroori hai. Is card par ₹399 (+18% GST = ₹471) ki annual renewal fee lagti hai, jo hamare 119 cards ke database me Bottom 42% Affordable Everyday Tier me aati hai. Iska advertised top reward rate 3% sirf partner merchants par milta hai, jabki regular offline dukaano par standard 1% base rate credit hota hai.
Aage humne iske direct competitors ke sath head-to-head comparison aur exact break-even spend formula provide kiya hai taaki aapko pata chal sake ki fees recover karne ke liye mahine me kitna kharch karna mathematically zaroori hai.
Har consumer ka spending profile alag hota hai, isliye YES Bank POP-CLUB RuPay Credit Card benefits & cash points ko examine karte waqt category caps ko zaroor dhyan me rakhein. Agar aapka monthly spend online retail platforms par evenly distributed hai, toh ICICI Bank Coral RuPay UPI Credit Card aur ICICI Bank Parakram Credit Card ke net returns ko hamare Interactive Comparison Matrix se match karke bina bias ke sahi card select karein.
- 013% Top Reward Rate: Competitive 3% headline earn rate designed for consistent monthly category savings.
- 02Carrying Cost Structure: Carrying cost drops to zero if you cross the annual retail waiver threshold.
- 03Category Flagship Perk: Seamless UPI QR code payment linking through NPCI RuPay credit network.
- 01Zero Excluded Rewards: House rent checkouts aur prepaid wallet recharges par koi cashback nahi milta aur ye fee waiver spend me bhi exclude rehte hain.
- 02Cross-Border / ATM Surcharge: Foreign currency spends par effective ~4.13% charges (3.5% markup + GST) cut hote hain jo domestic rewards cancel kar dete hain.
- 03Redemption / Carrying Leak: Spend milestone na reach hone par saalana ₹471 carrying cost deduct hoti hai.
YES Bank POP-CLUB RuPay Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Different monthly spending habits ke hisaab se is card ka annual return aur fee recovery status check karein: Is yield simulation model me net reward return percentage ko verified bank formulas par audit kiya gaya hai. Yadi aap dekhna chahte hain ki aapki annual spending par renewal fees waive hogi ya nahi, toh hamara Annual Fee Waiver Calculator instant clarity deta hai.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹2,400 | ₹470.82 Payable | +₹1,929 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹7,200 | 100% Waived (₹0) | +₹7,200 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹12,000 | 100% Waived (₹0) | +₹12,000(Capped at Limit) |
• Partner Merchant Spends (3% Accelerator): Agar aapka kharcha sirf top partner checkout par hota hai, toh card ki annual renewal fee ₹471 (incl. 18% GST) recover karne ke liye aapko saal me kam se kam ₹15,700 (yaani sirf ₹1,308 / mahina) spend karna zaroori hai.
• Regular Offline Spends (1% Floor Rate): General offline retail stores, grocery ya non-partner swipes par fee recover karne ke liye aapko saal me lagbhag ₹47,100 (lagbhag ₹3,925 / mahina) spend karna padega.
Annual Fee Waiver Milestone Feasibility: ₹1,50,000 Spend Target
Is card par fees waive karwane ke liye saal me ₹1,50,000 kharch karna padega, jo peer cards ke average (₹99,377) se 51% zyada spending require karta hai. Bank MITC schedule ke mutabiq annual renewal fee waiver pane ke liye saal me eligible retail spend complete karna hota hai. Dhyan rahe ki rent payments, wallet reload aur fuel transactions waiver spend quota me count nahi hote. Fee waiver targets aur billing cycles ko track karne ke liye hamara Billing Cycle & Grace Period Tool use karein.
YES Bank POP-CLUB RuPay Credit Card Benefits & Reward Points Value: 1 POPcoins = ₹ Rupee Conversion
Zero joining fee co-branded RuPay UPI card earning POPcoins on Zomato, PharmEasy, and everyday QR spends.
E-Commerce & Food Delivery
Up to 10% POPcoins on POP app partner brands
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (1%) credit hota hai.
Settlement Currency: POPcoins
Cashback direct statement credit ya brand coins (jaise NeuCoins) me credit hota hai jise 1 Coin = ₹1 par direct use kiya ja sakta hai.
YES Bank POP-CLUB RuPay Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
POPcoins Best Valued Inside POP App
Earned POPcoins yield highest value (1 POPcoin = ₹1) only when redeemed on the POP app catalog; outside conversion is restricted.
POPcoins ka pura fayda tabhi milega jab aap POP app ke partner brands (Zomato/PharmEasy etc.) par use karein; direct cash statement credit nahi milta.
1% Surcharge on Rent Payments
Rental transactions incur a 1% surcharge plus GST, with no POPcoins awarded.
Rent pay karne par 1% extra charge lagega aur koi reward points nahi milenge.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹0 (Zero Joining Fee) | Unconditional ₹0 Lifetime Free |
| Annual Renewal Fee | ₹399 + 18% GST (Total: ₹470.82) | Waived on ₹1,50,000/yr eligible spend |
| Finance Charges (APR) | 3.99% / month (47.88% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
RBI guidelines aur bank MITC schedules ke mutabiq rent transfer platforms, prepaid wallet reloads, utility surcharge thresholds aur property maintenance payments ko reward ledger se 100% exclude kiya gaya hai.
local_gas_stationFuel Surcharge 18% GST Reality
Petrol pump swipe par bank 1% surcharge toh wapas kar deta hai par uspe laga 18% GST wapas nahi aata. Isliye bina cobranded fuel card ke regular swipes par har baar thoda sa extra charge cut hota hai.
currency_exchange3.5% International Forex Markup
Cross-border foreign currency spending par standard 3.5% bank forex fee aur 18% GST lagta hai. Saal me ₹7 Lakhs se zyada overseas spending hone par RBI LRS ke tehat 20% TCS deduction rule bhi trigger hota hai.
redeemReward Liquidity & Expiry
Cashback direct statement credit ya brand coins (jaise NeuCoins) me credit hota hai jise 1 Coin = ₹1 par direct use kiya ja sakta hai.
YES Bank POP-CLUB RuPay Credit Card RuPay UPI Transactions, QR Scan Limits & Merchant Rules
Digital QR Scanning Model: Physical plastic card carry karne ki tension khatam ho jati hai. Store checkout par UPI QR code scan karke direct credit limit se billing authorize ki ja sakti hai.
MDR Guidelines & Reward Caps: Local dukaanon par ₹2,000 se niche ke spends par bank zero-MDR rule apply karta hai. Rewards extract karne ke liye eligible commercial QR checkouts use karein.
YES Bank POP-CLUB RuPay Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹25,000 / month
Regular net bank credit statement.
₹30,000
Verified latest ITR copy.
720+ Score
Zero defaults in last 24 months.
21 to 60 Years
Indian resident citizen.
Bank underwriting policy ke mutabiq, ₹25,000/month regular bank account credit aur clean credit repayment record (720+ score) hone par approval odds highest rehte hain. Self-employed segment me ₹0.3 Lakhs+ ITR dekhi jati hai. Smooth processing ke liye applicant ka clean credit history (750+ CIBIL) aur documented income stream essential hota hai. Yadi aap apne score trajectory ko analyze karna chahte hain, toh hamara CIBIL Simulator aur Eligibility Engine zaroor test karein.
- ✓Urban consumers jo daily micro-merchants par UPI scan & pay use karte hain aur 50-day interest-free credit cycle chahte hain.
- ✓Users jo bina bank account balance deduct kiye daily groceries aur food orders par UPI payments karna chahte hain.
- ✓Smart spenders jo RuPay ecosystem ke exclusive merchant vouchers aur cashback offers ka fayda uthana chahte hain.
- ✗Users jo physical plastic card se ATM cash withdrawal ya offline POS swipe prefer karte hain.
- ✗Jo major online shopping portals par high multiplier vouchers aur luxury air miles transfer chahte hain.
- ✗Commuters jinka main spend petrol pump POS machines par hota hai.
YES Bank POP-CLUB RuPay Credit Card vs Top Competitors: Side-by-Side Comparison
Market me available alternative options ke mukable card ki true value samajhne ke liye neeche diya gaya direct ledger dekhein, jahan ICICI Bank Coral RuPay UPI Credit Card aur ICICI Bank Parakram Credit Card ke sath bilateral audit kiya gaya hai:
| Comparison Metric | YES Bank POP-CLUB RuPay Credit Card (Current) | ICICI Bank Coral RuPay UPI Credit Card | ICICI Bank Parakram Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹399 (Waived at ₹1,50,000) | ₹500 (Waived at ₹1,00,000) | ₹0 (Lifetime Free) |
| Top Reward Rate | 3% | 1% | 5% |
| Category Tier | RUPAY UPI ENABLED | RUPAY UPI ENABLED | RUPAY UPI ENABLED |
| Direct Action | Current Review | View Review → | View Review → |
Comparing YES Bank POP-CLUB RuPay Credit Card against other cards for your monthly spending?
Find out in under 1 minute which credit card will save you the most money based on your real monthly grocery, fuel & shopping spends. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (YES Bank POP-CLUB RuPay Credit Card FAQs)
What is the annual fee of YES Bank POP-CLUB RuPay Credit Card and how can it be waived?expand_more
What are the underwriting income cutoffs and credit score requirements for YES Bank POP-CLUB RuPay Credit Card?expand_more
What are the hidden charges, forex markup, and cash advance fees?expand_more
Head-to-Head Comparison: Why choose YES Bank POP-CLUB RuPay Credit Card over ICICI Bank Coral RuPay UPI Credit Card?expand_more
Are rent payments, fuel, and wallet reloads eligible for rewards on YES Bank POP-CLUB RuPay Credit Card?expand_more
Can YES Bank POP-CLUB RuPay Credit Card be linked to Google Pay or PhonePe for UPI QR code scanning?expand_more
• Editorial Integrity: Independent evaluation based on official bank fee schedules and RBI guidelines. EQUIS maintains a zero affiliate commission policy.