M16S / Yes Bank / Yes POP-CLUB Credit Card
entry · cobrand, shopping, upi, rewards
Yes POP-CLUB Credit Card
The Yes POP-CLUB Credit Card costs Rs 399 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 2%. Accelerated earn: 10 POPcoins per Rs 100 on e-commerce/online transactions. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 399+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 2%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on yes.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 399 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | No joining fee; annual Rs 399 charged only if Rs 1.5 lakh is not spent in the anniversary year. The page is running a limited-time lifetime-free offer, under which no annual fee applies. |
Rewards
| Welcome benefitunverified | Issuer page: 400 POPcoins when the Rs 399 annual fee is paid. Aggregator: 500 POPcoins on activation, Cleartrip vouchers worth Rs 750, 3-month Zomato Gold, 6-month PharmEasy Plus (not on the issuer page). |
|---|---|
| Reward currency | POPcoins |
| Base earn | 2 POPcoins per Rs 100 on other transactions, including UPI (minimum transaction Rs 100) |
| Base return | 2% |
| Point value | 1 POPcoin = up to Rs 1; used for discounts inside the POPclub app, sample/trial packs, exclusive deals and at 100+ partner D2C brands |
| Accelerated earn | 10 POPcoins per Rs 100 on e-commerce/online transactions |
| Caps | No earn cap found. |
| Spends that earn nothing | No POPcoins on fuel, rent, wallet loads, government, marketing/advertising, ATM withdrawals, utility, insurance premium, POI funding, EMI conversions and, from 1 Jun 2026, education. Personal spends only. |
| Points expiry | 365 days from the date of credit |
| Milestone benefits | 1,500 POPcoins on crossing Rs 1.5 lakh spend in an anniversary year (also for lifetime-free cards); the annual fee is not charged at that level. |
| Reward notes | base_return_pct = 2 POPcoins per Rs 100 at the issuer's best-case 'up to Rs 1' per coin. Real value is lower: coins are closed-loop. POPcoins are credited after the monthly statement is generated. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | From 1 Jun 2026: 1% on Rs 1,000-3,500 transactions, cap Rs 100 per statement cycle (before: Rs 400-5,000, cap Rs 300) |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement |
| Cash advance fee | 2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit |
| Eligibility | Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Applied for through the POP app. |
| Fine-print notes | Issuer product page read 12 Oct 2026: confirms RuPay network, zero joining fee, Rs 399 annual fee waived on Rs 1.5 lakh, 10 POPcoins per Rs 100 online and 2 per Rs 100 on other spends, the 1,500-POPcoin milestone and eligibility. Conflicts: UPI spends earn 2 POPcoins per Rs 100 on the page (aggregators said 5 or 7 for POP UPI); fuel waiver cap from 1 Jun 2026 is Rs 100 on Rs 1,000-3,500 transactions (the two MITC readings had Rs 100 and Rs 300; Rs 300 was the pre-June cap). New: POPcoins expire 365 days after credit; coin value is 'up to Rs 1'; education excluded from 1 Jun 2026; maximum 5 rent transactions per 30 days. The page does not state the forex markup; 3.4% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page. |
Questions
- What is the annual fee of the Yes POP-CLUB Credit Card?
- Rs 399 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the Yes POP-CLUB Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Yes POP-CLUB Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Yes POP-CLUB Credit Card?
- No POPcoins on fuel, rent, wallet loads, government, marketing/advertising, ATM withdrawals, utility, insurance premium, POI funding, EMI conversions and, from 1 Jun 2026, education. Personal spends only.