Welcome rewards Yes Pop-Club Credit Card

Yes Bank Pop-Club Credit Card Fees and Charges

Before you opt for a Yes Bank Pop-Club Credit Card, it’s wise to know the primary costs that could come with it. These fees are standard for most retail Yes Bank Pop-Club Credit Cards, although some premium cards may have different pricing tiers. All amounts are before GST.

Type	Fees & Charges
Annual fees	Nil to ₹399 + taxes (annual fee is waived if you spend ₹1,50,000 in the year).
Interest rates & finance charges	3.99% per month (≈ 45.6% per annum)
Late payment fees & other charges	Standard bank-wide fees apply (late payment, over-limit, cash-advance fee, etc.) as per your outstanding amount/usage.
Foreign transaction fees	Applicable forex markup / foreign-currency conversion charges (as per bank’s current policy; usually a percentage over transaction amount).

Key Benefits of Yes Bank Pop Credit Cards

Opting for a Yes Pop-Club Credit Card means you get more than just a way to make purchases. You also have access to a variety of services to help manage everyday payments and larger expenses. Here are some essential features of the Yes Pop-Club Credit Card:

• You get a zero joining fee when you apply. Starting with this card doesn’t add any upfront cost and feels easier for first-time users.

• As a new user, you receive a welcome pack worth up to ₹5,000, which includes bonus POPcoins, shopping vouchers, and free deliveries or memberships on partner apps. This would provide you with instant value before you even begin regular spending.

• Every purchase earns rewards, letting you collect 10 POPcoins for every ₹100 spent online and 2 POPcoins for every ₹100 spent offline.

• When you use the card through UPI on the POP UPI app, you receive extra POPcoins, so simple QR payments or online transfers also help you build rewards faster.

• The card offers accelerated rewards on selected partner brands when you shop through the POP Club or partner apps. This will help you get a higher value if you often buy from those platforms.

• There are milestone rewards that give you bonus POPcoins after reaching specific yearly spending levels. This provides an extra boost if you use the card frequently.

• You also get everyday perks, such as discounts and offers across partner services like food, delivery, travel, and fitness, making the card a valuable option for regular lifestyle expenses you already make.

• For fuel purchases, the card provides a surcharge waiver or reduced surcharge. This will help you save a bit every time you refuel your vehicle.

Yes Bank Pop-Club Credit Card Eligibility Criteria

Before applying for a Yes Bank Pop-Club Credit Card, it is helpful to understand the fundamental criteria the bank considers for card eligibility. The table below presents the essential eligibility requirements:

Criteria	Details
Age	21 to 60 years
Income	Salaried: minimum net salary of ₹25,000 per month. Self-employed: Income Tax Return of ₹7.5 lakh or more per year.
Residential status	Applicant should be an Indian resident with a stable income, living in a city where YES Bank issues credit cards.
Documents required	PAN and identity or address proof, such as Aadhaar, passport or driving licence, along with income proof like salary slips or IT returns.

Documents Required for Yes Bank Pop-Club Credit Card Application

When you apply for the Yes Pop-Club Credit Card, the bank first reviews your basic details. You will need to provide several standard documents for this. Having them on hand will help make the Yes Pop-Club Credit Card application process smoother and quicker:

• Identity proof: You will need a valid photo ID such as an Aadhaar card, a Passport, a Driving Licence, a Voter ID or any other government-approved identity document.
• Address proof: Aadhaar, Passport, Driving Licence, or a recent utility bill (electricity, water, or landline).
• Income proof: Salaried applicants usually share recent salary slips and sometimes bank statements showing salary credits. Self-employed applicants may submit their Income Tax Returns or Form 16, along with relevant bank statements.
• PAN card or Form 60: A valid PAN card is essential for any credit card application because it is linked to your tax records and high-value financial transactions.
• Photographs: Recent passport-size pictures are needed to complete the physical application or KYC file, especially if the process is not fully digital.
• Additional documents, if required: Based on your profile, employment type, or credit history, the bank may request further documents. This can include more detailed bank statements, additional identity or address proofs, or business proofs for self-employed applicants.

How to Block / Unblock Yes Bank Pop Credit Card

There must be times when you need to pause your Yes Pop-Club Credit Card for safety, or resume it when everything is back to normal. Here’s a simple way to handle it:

How to Block Your Yes Pop-Club Credit Card

• Through YES Mobile App: Open the YES Mobile app, go to “Cards”, select your Pop-Club Credit Card, and choose the “Block Card” option. You can block it instantly if it is lost, stolen, or misused.
• Through NetBanking: Log in to YES Bank NetBanking, open the “Credit Cards” section, select your card, and use the “Block Card” feature. The action is processed immediately.
• 24×7 Customer Care: Call 1800 103 1212 (toll-free) or +91 22 4935 0000 from any number. Ask the executive to block your Pop-Club card. They will verify your identity and block the card on the call.
• SMS Banking: Send BLOCKLast four digits of your card to +91 9840909000 from your registered mobile number. The card will be blocked automatically.

How to Unblock Your Yes Pop-Club Credit Card

• YES Mobile App: If your card was temporarily blocked (hotlisted for safety), you can request unblocking by visiting the “Cards” menu in the app and selecting the “Unblock Card” option, if eligible.
• Customer Care Support: Call 1800 103 1212 and request unblocking. The bank will check whether your card is eligible for reactivation. In some cases, YES Bank may issue a new replacement card instead of unblocking the old one.
• Visit a YES Bank Branch: You can walk into any YES Bank branch and request unblocking or replacement. Carry your ID proof, as verification will be required.

How to Choose the Right Yes Bank Pop Credit Card?

Finding the right Yes Bank Pop Credit Card becomes easier when you assess your spending habits and what you want from the card. As Yes Bank offers numerous options, the best selection depends on your monthly card usage. Here are a few simple suggestions to help you choose:

●     Understand Your Spending Pattern

The POP-Club card works best if you often spend on online shopping, food delivery, movies, or regular app-based payments. Even small daily transactions are helpful, as the card earns POPcoins for online and offline spending.

●     Compare the Reward Structure

The POP-Club card offers higher rewards on online payments, and UPI spends through the POP UPI app. If you regularly pay via QR or checkout pages, this reward style fits naturally into your routine.

●     Check the Annual Fee and Waiver Condition

The annual fee is ₹399 from the second year, but YES Bank waives it if you spend ₹1,50,000 on the card in a year. If your monthly spending usually crosses this threshold, the card can effectively stay free.

●     See Partner Benefits and App-Based Offers

POP-Club works closely with partner brands, giving additional POPcoins and vouchers inside the POP ecosystem. If you frequently use partner apps for food, lifestyle, or online shopping, these benefits help you get more out of the card.

●     Review Transaction Charges and Exclusions

Some spenders incur extra charges, such as rent payments, wallet fees, utilities above limits, and high-value fuel purchases. It’s good to know these small details so you can decide if the card suits your everyday habits.

Tips to Maximise Yes Bank Pop-Club Credit Card Rewards

A Pop-Club Credit Card can offer good value if you are careful with your spending. Rewards increase faster when you use the card wisely and manage your payments smartly. Here are some simple tips to maximise your Pop-Club Credit Card rewards:

●     Push more of your online spending on the card

You earn 10 POPcoins for every ₹100 spent on online transactions, compared to fewer POPcoins on offline swipes. For most of your shopping, food delivery, subscriptions, and app payments, it’s wise to use this card instead of cash or a low-reward card.

●     Use POP UPI for everyday QR and UPI payments

To really boost rewards, link this RuPay credit card to the POP UPI app. You get additional POPcoins (around 5% POPcoins) on UPI transactions done through POP UPI, on top of your regular online/offline earn rate.

●    Shop through POPclub/POP Shop to earn accelerated POPcoins

When you buy from partner brands via the POPclub app or POP Shop, the card gives accelerated POPcoins on 500+ brands. That means the same spend can earn more compared to paying directly on a brand’s site.

●     Plan spends around the ₹1.5 lakh milestone

There is a milestone benefit of 1,500 bonus POPcoins when your annual spend on the card exceeds ₹1.5 lakh. At the same time, this spend level also unlocks a yearly fee waiver of ₹399 + taxes from the following year.

●     Prioritise categories where rewards actually work for you

The most substantial value sits in online, UPI and POP partner spends. Groceries, food delivery, cabs, medicines, small gadgets and fashion buys fit well. You can allocate these to Pop-Club and keep low-reward or surcharge-heavy spending on other choices, or pay them carefully after checking the charges list.

Steps to Apply Online Through Urban Money

Applying for a Yes Bank Pop-Club Credit Cards card through Urban Money is simple and works well for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the Yes Bank Pop-Club Credit Cards you want from the list of available options.
• Click on the Yes Bank Pop-Club Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• Upload the required documents, including PAN, ID proof, and address proof.
• Submit the form so Urban Money can forward your Yes Bank Pop-Club Credit Card application to the bank.
• The bank verifies your details and contacts you if anything else is needed.