POP-CLUB Credit Card

Is "10% on any online spend" real cash?

Not quite. POP-CLUB pays you in POPcoins, not rupees. You earn 10 POPcoins per ₹100 online and 2 per ₹100 on everything else, including UPI. YES Bank says a POPcoin is worth up to ₹1. Users who convert coins into partial cashback say it works out to 10 coins for ₹1. So the online rate is somewhere between 1% and 10%, depending on how you spend the coins.

This is a YES Bank card made with the POP app. It is not the RBL Popcorn card, despite the similar name.

One month, two answers

Say you spend ₹10,000 online and ₹5,000 through scan-and-pay UPI. You earn 1,000 + 100 = 1,100 POPcoins.

• Spent inside the POP shop or on partner vouchers at full value: up to ₹1,100.
• Cashed out at the rate users report: about ₹110.

Users say they get closest to full value on Swiggy, Zomato and Blinkit vouchers. If you want money on your statement without opening an app, this card will frustrate you, and that is the most common reason users give for leaving.

Three rules to remember: a transaction must be at least ₹100 to earn, coins expire 365 days after you earn them, and spend that codes as offline earns 2 coins, not 10.

Free for now, and the ₹399 question

There is no joining fee, and YES Bank lists the card as lifetime free for current applicants as a limited-time offer. A ₹399 renewal fee applies only to non-LTF cards that miss the spend condition. Our data does not state that condition, so screenshot the fee line in your welcome letter.

Other benefits: 1,500 bonus POPcoins when you spend ₹1.5 lakh, a 1% fuel surcharge waiver, and Credit on UPI because it runs on RuPay. No lounge access is listed. Our data has no forex figure, so check the MITC before you use it abroad.

Already have a YES Bank card?

Several users say YES Bank allows one credit card per customer and rejected their POP-CLUB application for that reason. We could not confirm the rule on the bank page. Some holders of YES Premia or Elite+ ask whether to close those cards to get POP-CLUB for UPI. Do that only if the POP shop actually sells what you buy.

So, is POP-CLUB worth applying for?

Apply if you order food and groceries online most weeks, want a free RuPay card for UPI, and do not mind redeeming inside an app. For you, the coins are close to real money.

Skip it if you want plain cashback on your statement. Users who compare the two usually prefer Kiwi for that. Our Kiwi review covers how it pays.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva