YES Bank POP-CLUB Credit Card

This co-branded credit card is launched in partnership with Pop Club. The value proposition of this co-branded product is jointly funded by YES Bank Ltd and the co-brand partner, based on their financial agreement. As part of this arrangement, both parties may share fees and revenues.

Updated On - 06 Sep 2025
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What is the YES Bank POP-CLUB Credit Card?

The YES Bank POP-CLUB Credit Card is a co-branded credit card offered by YES Bank in partnership with Pop Club. Designed to cater to the unique needs of cardholders, this credit card provides various benefits and rewards that combine the offerings of YES Bank and Pop Club. You can enjoy secure payments with zero joining fees and up to Rs. 5,000 worth of welcome benefits. You can access UPI via a RuPay Credit Card and earn POPcoins on every transaction.

The value proposition is jointly supported by both parties, ensuring an enhanced experience for users. It includes features such as reward points, cashback offers, and exclusive deals, making it suitable for individuals looking for convenience, flexibility, and tailored perks.

Yes Bank Pop Club Credit Card
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Features and Benefits for YES Bank POP-CLUB Credit Card

Mentioned below are the features and benefits for YES BANK POP-CLUB Credit Card:

  1. Earn ten POPcoins for every Rs. 100 spent on online transactions.
  2. Earn two POPcoins for every Rs. 100 spent on offline purchases.
  3. Get accelerated POPcoins across 500+ selected brands via the POPclub app.
  4. Link your RuPay Credit Card on POPUPI to earn additional POPcoins.
  5. Receive 500 POPcoins as a welcome bonus upon card activation.
  6. Blinkit: Enjoy five free deliveries on Blinkit.
  7. Cleartrip: Get a Rs. 750 voucher for use on Cleartrip.
  8. Zomato: Enjoy a three-month Zomato Gold Mini membership.
  9. PharmEasy: Earn a six-month PharmEasy Plus membership.
  10. Rapido: Get two free bike rides each month, worth Rs. 100.
  11. Cult Sport: Earn a Rs. 500 voucher for Cult Sport.
  12. Additional Perks
    1. Free cancellations and rescheduling at Rs. 1 on Cleartrip.
    2. Get a 1% fuel surcharge waiver.
    3. Earn 1,500 POPcoins on spending Rs. 1.5 lakh.
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Eligibility Criteria for YES Bank POP-CLUB Credit Card

The eligibility criteria is mentioned below:

Criteria

Details

Age

Between 21 and 60 years

Employment

Salaried or self-employed

Income Requirement

Minimum net salary of Rs. 25,000 per month or Income Tax Return of Rs.7.5 lakh

Eligibility Note

Existing YES BANK Credit Cardholders are not eligible

Fees and Charges for YES Bank POP-CLUB Credit Card

Fees and charges for the YES BANK POP-CLUB Credit Card is mentioned below:

Particulars

Fees and Charges

Joining Fee

Nil

Annual Membership Fee (Renewal)

Rs. 399 + applicable taxes (waived if Rs. 1,50,000 spend condition is met in the card anniversary year)

Interest Rate

3.99% per month (47.88% annually) on Revolving Credit, Cash Advances, and Overdue Amounts

Rental Transaction Charges

1% of the transaction value or Rs. 199 (whichever is higher) for transactions above Rs. 1; capped at 3 transactions in 30 days

Wallet Transaction Charges

1% of the transaction value or Rs. 1 (whichever is higher) for transactions above Rs. 1

Utility Charges

1% + applicable GST for utility spends above Rs. 15,000 per month; fee capped at Rs. 3,000 per month

Education Fee Payment Charges

1% + applicable GST for education transactions via third-party platforms (CRED, PhonePe, etc.); fee capped at Rs. 5,000 per month

Fuel Transaction Charges

1% + applicable GST for fuel transactions above Rs. 10,000; fee capped at Rs. 5,000 per month

Illustrations:

  1. Utility Charges
    1. Spends of Rs. 10,000: No charges (below threshold).
    2. Spends of Rs. 20,000: Fee of Rs. 200 + applicable taxes (above threshold).
  1. Fuel Charges
    1. Transaction of Rs. 9,000: No charges (below threshold).
    2. Transaction of Rs. 20,000: Fee of Rs. 200 + applicable taxes (above threshold).

How to Apply for YES BANK POP-CLUB Credit Card

You can apply for the YES BANK POP-CLUB Credit Card online or offline:

Online Application:

  1. Step 1: Visit YES Bank's official website and search for the YES BANK POP-CLUB Credit Card or directly click on this link.
  2. Step 2: Enter your name as it appears on your Aadhaar Card, along with your date of birth and mobile number.
  3. Step 3: Click the 'Apply Now' button.
  4. Step 4: Follow the on-screen instructions to complete the application process.
  5. Step 5: Upon completion, you will receive a confirmation message regarding your application.

Offline Application:

  1. Step 1: Visit your nearest YES Bank branch with all the required documents.
  2. Step 2: Fill out the application form available at the branch.
  3. Step 3: Submit the form along with your documents for verification.
  4. Step 4: If all details are correct after verification, your application will be approved, and the POP-CLUB Credit Card will be mailed to your registered address.

What is POPcoins Loyalty Program?

The POPcoins Loyalty Program is the core rewards engine for the YES Bank POP-CLUB Credit Card and is designed to allow users to earn points on everyday purchases in a simple, flexible, and valuable manner. POPcoins provide a loyalty currency; typically, 1 POcoin is equal to approximately Rs. 1 so you can easily understand the value of your wellness rewards.

  1. Earn Rewards on Online Spends: You can earn (10) POPcoins for every Rs. 100 spent on e-commerce or online purchases, so you can quickly earn points on e-commerce purchases, travel booking, or online bill payments. 
  1. Earn Rewards on Offline Spends: You can earn (2) POPcoins for every Rs. 100 spent at retail stores, restaurants or other offline merchants, which means that everyday purchases can help build your rewards balance. 
  1. Accelerate your Earning: You can earn some more POPcoins by using the POPclub mobile app or linking your RuPay Credit Card to UPI enabling you to earn extra rewards through the app and special transactions. 
  1. Crediting and Validity: Your POPcoins will be credited to your account following the generation of your monthly credit card statement and are valid for 365 days so you will ample amounts of time to organize redeeming your POPcoins. 
  1. Redemption Options: POPcoins can be redeemed in multiple ways: 

1) For instant savings on purchases via the POPclub app. 

2) For exclusive discount offers through the POPclub app. 

For sample packs or trial products in the ‘minis’ section of the app. 

  1. Wide Acceptance by Partners: POPcoins are accepted by over 100 direct-to-consumer(D2C) brands, so cardholders can redeem their points over categories like fashion, lifestyle, wellness, and home. 
  1. Manageable via the App: Track your POPcoin balance, transaction history and the ability to make redemptions are all centralized from the dashboard on the POPclub application. 
  1. Flexible & Rewarding: Assured of maximum benefit from both online and offline spend, this integrated program provides an effortless way to reward everyday spend and realize real value from the rights attached to your YES Bank POP-CLUB Credit Card. 

YES BANK POP-CLUB Credit Card Grievance Redressal

Customer Support:

  1. If dissatisfied with YES BANK's services or responses, cardmembers can:
  2. Call 1800 103 1212, 1800 103 6000 (Toll-free), or 022 4935 0000.
  3. Email: yestouchcc@yesbank.in.

Escalations:

  1. Contact YES BANK's Principal Nodal Officer: Mr. Vikas Bindal.
  2. Address: YES BANK Ltd, YES BANK House, Off Western Express Highway, Santacruz East, Mumbai – 400055.
  3. Email: principal.nodalofficer@yesbank.in.
  4. Phone: 022 3948 9374 (Available Monday to Friday, 9:30 AM – 5:30 PM).
  5. For issues related to mis-selling or harassment by a bank representative, call 022 3948 9374.

Banking Ombudsman:

  1. If no response is received within one month or the cardmember is dissatisfied, they can escalate the issue to the Banking Ombudsman.
  2. Details on the Banking Ombudsman scheme are available on the RBI's grievance redressal webpage: www.rbi.org.in.

UPI Credit Card Transaction Disputes:

  1. Raise concerns via UDIR on the BHIM Application.
  2. Alternatively, call the bank at 1800 103 1212 (Toll-free), 1800 103 6000 (Toll-free), or 022 4935 0000.

Yes Bank Customer Care/ Complaints

FAQs on YES Bank POP-CLUB Credit Card

  • What are POPcoins?

    POPcoins are a loyalty currency available on the POPclub website, mobile app, and partner websites.

  • What is the minimum transaction value to earn POPcoins with the YES BANK POP-CLUB Credit Card?

    You can start earning POPcoins on transactions valued at Rs. 100 or more.

  • How can I earn more POPcoins?

    You can earn POPcoins through various transactions: receive 10 POPcoins for every Rs. 100 spent online, with an additional five POPcoins for each Rs. 100 spent on the POP Club App. For offline purchases, you earn two POPcoins per Rs. 100 spent, plus an extra five POPcoins for every Rs. 100 spent using UPI on the POP Club App with your POPclub Credit Card.

  • When will POPcoins be credited to my account?

    POPcoins are credited after your monthly credit card statement is generated.

  • What is the validity of POPcoins?

    POPcoins are valid for 365 days (one year) from the date they are credited.

  • How can I use my POPcoins?

    POPcoins offer several redemption options: you can use them to receive direct discounts on purchases through the POPclub app, buy samples or trial packs from the 'minis' section within the app, or exchange them for exclusive deals available on the POPclub app. Additionally, POPcoins can be used to obtain discounts while shopping with over 100 direct-to-consumer (D2C) brands partnered with POPcoins.

  • What is the annual fee for the YES BANK POP-CLUB Credit Card, and are there any special offers?

    If you spend more than Rs. 1.5 lakh annually, the annual fee is waived, and you'll receive an additional 1500 POPcoins. If your spending is below Rs. 1.5 lakh annually, the annual fee is Rs. 399 plus taxes, and you'll get 400 POPcoins as cashback.

  • Where can I check my POPcoins balance and transaction history?

    You can view your POPcoins balance by logging into the POPclub app and clicking on the coins section at the top right corner or through the POPclub website.

  • What should I do if I am dissatisfied with YES BANK's services or have a dispute regarding my credit card transactions?

    If dissatisfied with YES BANK's services, contact customer support at 1800 103 1212, 1800 103 6000 (toll-free), or 022 4935 0000, or email yestouchcc@yesbank.in.

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