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YES Bank POP-CLUB Credit Card
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BankYES Bank
NetworkRuPay
Joining feeNil (Lifetime Free till 31 March 2027)
Annual fee₹399 + GST from the 2nd year (currently under a Lifetime Free promo till 31 March 2027)
Fee waiverAnnual fee waived on annual spends of ₹1.5 lakh
Welcome bonus500 POPcoins on activation, plus vouchers worth around ₹750, 3 months of Zomato Gold and 6 months of PharmEasy Plus (total first-year benefits up to around ₹5,000).
Rewards summaryEarns POPcoins worth ₹1 each, redeemed inside the POP app: 10 POPcoins per ₹100 online (up to 10% back), 2 POPcoins per ₹100 offline, and an extra 5 POPcoins per ₹100 when you pay by UPI through the POP Club app.
Best forOnline and UPI shoppers who want a lifetime-free RuPay card with high POPcoin (cashback-style) earnings.
Rating4.0 / 5
Pros
  • Lifetime free to hold till 31 March 2027, with no joining fee
  • Up to 10% back online as POPcoins (10 POPcoins per ₹100), among the higher online rates on a no-fee card
  • Extra 5 POPcoins per ₹100 on UPI payments made through the POP Club app, since it is a RuPay card
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