Yes Bank Pop Credit Card

What is YES Bank POP Credit Card?

The Yes Bank Pop credit card feels very different from typical cards. It’s not built around reward points or cashback in the usual sense. Instead, it runs on something called POPcoins, and that changes how you look at everyday spending.

Yes Bank Pop credit card is more lifestyle-driven than premium. You’ll notice it focuses on online shopping, subscriptions, and small spends rather than big-ticket travel or luxury perks. It’s simple on the surface, though the real value depends on how often you use those POPcoins.

What are the Key Highlights of the YES Bank POP Credit Card?

The Yes Bank Pop credit card is positioned as a youth-focused, digital-first card. It’s straightforward, low-cost, and built around daily usage rather than high-end benefits.

1. Joining fee: ₹0 (lifetime free offer available)
2. Annual fee: ₹399 + GST (waived on spend conditions)
3. Reward rate:

• 10 POPcoins per ₹100 on online spends
• 2 POPcoins per ₹100 on other spends

1. Lounge access: Not available
2. Fuel surcharge waiver: 1% (capped at ₹300 per cycle)
3. Income requirement: ₹25,000 monthly or ₹7.5 lakh ITR
4. Best for: Online shopping, small spends
5. Recommended for: Young users, first-time cardholders
6. Extra highlights:

• Earn POPcoins on most transactions
• Works on RuPay with UPI support
• Zomato, Cleartrip, PharmEasy joining perks

Why Choose YES Bank POP Credit Card?

The Yes Bank Pop credit card is not trying to be premium. It keeps things simple, and that’s actually the appeal. Here’s where it makes sense:

• Low-cost entry with almost zero joining fee
• A reward system built for daily spending
• Works smoothly with UPI transactions
• Easy approval compared to premium cards
• Fits well within entry-level Yes Bank credit cards

What are the Features & Benefits of YES Bank POP Credit Card?

The Yes Bank Pop credit card leans more towards lifestyle perks and everyday usage. It’s not about big luxury benefits, it’s about small, frequent rewards.

POPcoins Rewards System

• 10 POPcoins per ₹100 on online transactions
• 2 POPcoins per ₹100 on offline spends
• Bonus 1500 POPcoins on ₹1.5 lakh annual spend

Joining Benefits

• Zomato Gold Mini membership (3 months)
• PharmEasy Plus membership (6 months)
• Cleartrip voucher worth ₹750

UPI & Digital Payments

• Works on the RuPay network
• Can be linked to UPI apps
• Makes small payments easier

Fuel Benefit

• 1% surcharge waiver on fuel transactions
• Monthly cap up to ₹300

Everyday Convenience

• Secure payments and easy tracking
• Suitable for small-ticket transactions

What are the Fees & Charges of YES Bank POP Credit Card?

The Yes Bank Pop credit card keeps fees on the lower side, which fits its entry-level positioning. Here are the fees and charges associated with this credit card:

Charges Type	Details
Joining Fee	₹0
Annual Fee	₹399 + GST
Interest Rate	3.99% per month (47.88% annually)
Late Payment Fee	As per the outstanding amount
Foreign Markup	Approx. 3.5%
Cash Advance Fee	Around 2.5%

What is the Reward Points & Cashback Value of YES Bank POP Credit Card?

The Yes Bank Pop credit card doesn’t follow a normal reward system. Everything revolves around POPcoins. 1 POPcoin is equivalent to ₹0.25 to ₹0.30 (approx value depending on redemption)

Example:

For online spending of ₹10,000. Earn 10 POPcoins per ₹100 = 1,000 POPcoins, and the approx value will be ₹250-₹300. For offline spending of ₹10,000. Earn 200 POPcoins, worth around ₹50-₹60. It works best when most of your spending is online.

What are the Eligibility Criteria for the YES Bank POP Credit Card?

The Yes Bank Pop credit card is easier to qualify for compared to premium cards. However, existing YES Bank cardholders may not be eligible. Here are the eligibility criteria for this credit card:

• Age: 21 to 60 years
• Employment: Salaried or self-employed
• Minimum salary: ₹25,000 per month
• Or ITR: ₹7.5 lakh and above

What Documents are Required for a YES Bank POP Credit Card?

The Yes Bank Pop credit card needs basic documentation. Have a look at the required documents’ list:

• PAN card
• Aadhaar or address proof
• Salary slips or ITR
• Bank statements
• Passport-size photo

How to Apply for a YES Bank POP Credit Card through Urban Money?

Applying for the Yes Bank Pop credit card through Urban Money is simple and mostly digital. If you plan to convert purchases later, you can also check affordability using a credit card EMI calculator before applying. Here are the simple application steps:

• Visit the Urban Money website
• Search for the card in the “Credit Cards” section
• Fill in personal and income details
• Upload documents or complete KYC
• Submit application

What are the Pros and Cons of YES Bank POP Credit Card?

The Yes Bank Pop credit card is practical, but it has its limits. Here are some pros and cons for this credit card:

 

Pros:

• Low joining cost
• Good rewards for online spending
• UPI-enabled RuPay card
• Simple reward structure

 

Cons:

• No lounge access
• POPcoins value varies
• Limited premium benefits
• Not ideal for high spenders

Who Should Get a YES Bank POP Credit Card?

The Yes Bank Pop credit card fits a very specific type of user. It’s not for heavy travellers or premium users. Here’s where this card actually makes sense: if your spending is mostly small, frequent, and online, this card feels easy to use. If you expect luxury perks, it may fall short.

• First-time credit card users
• People who spend mostly online
• Users who want low fees
• Those comfortable using app-based rewards

The info is for the YES Bank POP-Club Credit Card. I have attached the reference source at the bottom.