YES BANK POP-CLUB Credit Card

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The YES BANK POP-CLUB Credit Card is a versatile co-branded RuPay credit card launched in collaboration between YES Bank and Pop Club. It is designed primarily for digital-first users who prefer online shopping, UPI payments, and want to earn flexible rewards while enjoying lifestyle benefits. Here are the detailed features and benefits:

Key Features and Benefits

  • Joining and Annual Fees:
  • No joining fee.
  • Annual fee of Rs. 399 plus taxes, waived if annual spending exceeds Rs. 1.5 lakh.
  • Lifetime free offer valid till December 31, 2025 (may be extended).
  • Welcome Benefits (Worth Rs. 5,000):
  • 500 bonus POPcoins on card activation (1 POPcoin = Re 1/4).
  • 5 free deliveries on Blinkit.
  • 6-month PharmEasy Plus membership.
  • Cleartrip voucher worth Rs. 750.
  • 3-month Zomato Gold mini membership.
  • Cult.fit sports voucher worth Rs. 500.
  • 24 Rapido bike ride passes (valued at Rs. 100 each, 2 rides per month).
  • Rewards Program:
  • Earn 10 POPcoins for every Rs. 100 spent on online transactions.
  • Earn 2 POPcoins for every Rs. 100 spent on other categories.
  • Additional 5% POPcoins on UPI transactions made via the POP UPI app.
  • POPcoins can be redeemed for rewards, cashback, or purchases across POPclub’s partner ecosystem of over 250 brands.
  • Milestone Benefits:
  • 400 POPcoins on payment of the annual fee.
  • 1500 POPcoins on achieving Rs. 1.5 lakh annual spend.
  • Annual fee waiver on meeting the Rs. 1.5 lakh spend milestone.
  • Other Benefits:
  • 1% fuel surcharge waiver on fuel transactions up to Rs. 300 per month.
  • Flex Max option on Cleartrip bookings allowing cancellation and rescheduling for just Rs. 1.
  • Instant POPcoins reward on UPI payments via POP UPI.

How do POPcoins convert to rupee value and redemption rates

POPcoins earned on the YES BANK POP-CLUB Credit Card convert to rupee value at the rate of 4 POPcoins = Rs. 1. In other words, 1 POPcoin is equivalent to Re. 0.25.

Redemption Rates

  • POPcoins can be redeemed in multiple ways, including cashback, shopping discounts, vouchers, or purchases at partner brands on the POPclub app.
  • Redemption options typically allow you to use POPcoins to offset payments or get discounts, with the conversion rate ensuring that every 4 POPcoins equal Rs. 1 value.
  • The actual value you get per POPcoin can vary slightly depending on the redemption partner and offer but is generally close to this conversion rate.
What are the milestone rewards and how to waive annual fee

Milestone Rewards

  • 400 POPcoins credited when you pay the annual fee.
  • 1,500 POPcoins awarded when you achieve an annual spend of Rs. 1.5 lakh.

These POPcoins add to your rewards balance and can be redeemed like other POPcoins for cashback, vouchers, or purchases.

Annual Fee Waiver

  • The annual fee of Rs. 399 plus taxes is waived if you spend Rs. 1.5 lakh or more in a year on the card.
  • If the spend threshold is not met, the annual fee is applicable.
The YES BANK POP-CLUB Credit Card provides several complimentary memberships that can be activated through specific steps.

Complimentary Memberships & Benefits

  • PharmEasy Plus Membership:
  • Benefits: Free membership for six months, offering discounts on medicines and health products via PharmEasy.
  • Activation: Usually activated automatically upon card issuance or through the POPclub app once the card is activated.
  • Zomato Gold Mini Membership:
  • Benefits: Free Zomato Gold benefits for three months, including free dishes, discounts, and exclusive offers.
  • Activation: May be activated automatically or through the POPclub app/website after your card is activated and linked.
  • Cult.fitness Membership:
  • Benefits: Access to select gyms and fitness centers, offered for three months.
  • Activation: Typically activated via the POPclub app or by contacting customer support after card activation.
  • Blinkit Free Deliveries:
  • Benefits: Free deliveries on up to 5 orders per month for a limited time.
  • Activation: No specific activation needed; linked to your card and UPI transactions via the POP UPI app.
  • Rapido Bike Ride Passes:
  • Benefits: 24 free rides (valued at Rs. 100 each), provided periodically.
  • Activation: Usually credited automatically during promotional periods or upon card linking.

How to Activate and Redeem the Memberships

  • Most memberships activate automatically upon the issuance of the card or after linking your card to the POPclub app.
  • For certain memberships like Cult.fitness or Zomato Gold, activation may require you to log into the POPclub app and claim the benefits.
  • The memberships are generally valid for an initial period (e.g., 3-6 months), and renewal or extension depends on ongoing eligibility and offers.

Eligibility Criteria

  • Age: 21 to 60 years.
  • Employment: Salaried or self-employed.
  • Income: Minimum net salary of Rs. 25,000 per month or Income Tax Return of Rs. 7.5 lakh and above.
  • Existing YES Bank credit cardholders are not eligible.

Usage Suitability

  • Best for online shoppers and users who transact via UPI.
  • Ideal for those who want lifestyle perks like food delivery, travel bookings, and fitness memberships bundled with their credit card rewards.
  • Digital users who want a card with no joining fee and a reasonable annual fee waiver threshold.

Summary

The YES BANK POP-CLUB Credit Card offers a comprehensive rewards program centered around POPcoins, supplemented with attractive welcome perks, milestone bonuses, and valuable lifestyle benefits. Its seamless integration with UPI payments and zero joining fees make it an excellent choice for young, digitally savvy individuals focused on online and app-based purchases.

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