YES Bank POP-CLUB Credit Card

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1,500 additional POPcoins on crossing ₹1,50,000 of spends, which also waives the renewal fee.

Joining fee

Nil

Annual / renewal fee

₹399 plus applicable taxes on renewal

Annual fee waiver

The renewal fee is charged only if the spend condition is not met: annual spends above ₹1,50,000 waive it, and an additional 1,500 POPcoins are credited. Cards issued under the lifetime-free offer carry no renewal fee.

Interest rate

3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

3.40% on foreign currency conversion

DCC markup

1%

Reward redemption

₹0 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns

Duplicate card

₹100

Income (salaried)

Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above

Income (self-employed)

₹7.5L/year

Age

21–60 years

• What are POPcoins worth?
• When do POPcoins expire?
• When is the renewal fee charged?