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.
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.
Mentioned below are the features and benefits 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 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:
You can apply for the YES BANK POP-CLUB Credit Card online or offline:
Online Application:
Offline Application:
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) 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.
Customer Support:
Escalations:
Banking Ombudsman:
UPI Credit Card Transaction Disputes:
Yes Bank Customer Care/ Complaints
POPcoins are a loyalty currency available on the POPclub website, mobile app, and partner websites.
You can start earning POPcoins on transactions valued at Rs. 100 or more.
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.
POPcoins are credited after your monthly credit card statement is generated.
POPcoins are valid for 365 days (one year) from the date they are credited.
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.
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.
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.
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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