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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). |
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:
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. |
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:
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:
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:
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
Applying for a Yes Bank Pop-Club Credit Cards card through DoLoans 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:
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