YES BANK POP-CLUB Credit Card

Annual fee

Annual fee: ₹399 (fees are exclusive of GST)

Joining fee

Joining fee: NIL

Fee waiver rule

Minimum spend for waiver of annual fee: ₹1,50,000 (within 12 months prior to card anniversary date)

Add-on card fee

Add-on card fee: NIL. Add-on Cards are not applicable for all variants; for eligible variant, a maximum up to 3 add-on cards can be issued

Reward rate

Earn 10 POPcoins on every ₹100 spent Online; earn 2 POPcoins on every ₹100 spent on all other transactions.

Online earning

Earn 10 POPcoins on every ₹100 spent Online.

What one reward unit is worth

1POPcoin = upto ₹1

Point expiry

POPcoins will expire after 365 days (1 year) from the date of credit.

Milestone benefits

Get extra 1500 POPcoins on crossing spends worth 1.5 Lakh (spend more than 1.5 lakhs annually)

Renewal benefitBenefit given each anniversary year

If you spend less than 1.5 lakhs annually, the annual fee is ₹399+ applicable taxes; you receive 400 POPcoins as a cashback

Minimum spend rules

The minimum transaction value required to earn POPcoins is ₹100

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹1,000 and ₹3,500, subject to a maximum waiver of ₹100 per statement cycle (effective 1st June 2026). Fuel transactions done through UPI: surcharge waiver will NOT be provided on the above listed Card variants

Surcharge on railway tickets

1% of the transaction amount + GST if the transaction exceeds ₹30,000 or cumulative Passenger Railways spends exceed ₹80,000 in a calendar month; fee capped at ₹5,000 per transaction. The fee is over and above any convenience fee/surcharge charged by the railway ticket booking platform

Forex markup

3.5% on foreign currency transactions.3.50% effective 15 June 2026

Cash advance fee

Effective 15th June 2026: transaction fee of 2.5% or ₹650, whichever is higher, on cash withdrawals

Cash advance interest

Other Credit Cards: Monthly 3.99%, Annually 47.88% on cash advance; finance charges on cash advances are applicable from the date of transaction until the payment is made in full

Cash withdrawal limit

Cash Advance limit is a subset of the overall Credit limit: up to 30% of the Credit Limit is assigned to a YES BANK Credit cardholder. Cash withdrawal from Credit card will be suspended for first 6 months from date of onboarding

Interest on unpaid balance

Other Credit Cards: Monthly 3.99%, Annually 47.88% (finance charges on revolving credit / APR, on cash advance and/ or on overdue amount)

Interest-free period

Interest free credit period of up to 50 days, subject to the scheme applicable on the specific Credit Card; not applicable if the previous month’s statement balance has not been cleared in full on or before the due date, or if the Cardmember has withdrawn cash from ATM

Late payment fee

No late payment charges if the current outstanding amount (statement balance + unbilled) is up to ₹500; above ₹500, 10% of statement balance or ₹1350 whichever is lower, per statement

Over-limit fee

Overlimit charge of ₹550 (plus applicable GST) for any transaction that exceeds the assigned credit limit

Payment return or dishonour fee

Cheque return or Cheque Dishonour fee ₹450 per instance of cheque return. Effective 15 June 2026, 2.5% or ₹500 whichever is higher on net payable amount per instance of Auto debit failure/return. Charges will be capped at ₹5,000 per customer per statement

Card replacement fee

₹199 per re-issuance if the card is lost, stolen or damaged (effective 15th June 2026); the revised fee is only applicable to plastic cards

Cash payment / cash deposit fee

Cash deposit fee at Yes Bank Branches towards Credit Card repayment: ₹500 + GST for amount greater than or equal to ₹1,000 (effective 15th June 2026)

Education / school fee charge

1% fee + applicable GST on education transactions done through third-party websites and applications; fee capped at ₹5,000 per calendar month. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged

Fee for paying the bill by cheque

Cheque deposit fee at Yes Bank Branches towards Credit Card repayment: ₹250 + GST if the repayment amount is Greater than or Equal to ₹1000 (effective 15th June 2026)

Foreign ATM fee

Cash withdrawals from domestic or international ATMs: transaction fee of 2.5% or ₹650, whichever is higher (effective 15th June 2026)

Reward redemption fee

₹100 + applicable GST per redemption request, regardless of the number of points redeemed; the fee is not applicable for any credit card that do not offer Reward points as a feature

Wallet load charge

No fee on transactions up to ₹2,000 when loading funds onto third-party wallets; 1% fee on transactions exceeding ₹2,000; maximum fee on any single transaction is ₹5,000

What the card's fee or benefit year means

Spend for waiver of annual fee is measured within 12 months prior to card anniversary date

Fuel transaction fee

Other Credit Cards: 1% of the transaction amount + GST if the transaction exceeds ₹10,000 or cumulative Fuel category spends exceed the threshold amount of 25,000 in a calendar month; fee capped at ₹5,000 per transaction

Rent transaction fee

Rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher. Rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher. Rental transactions are capped at 5 per 30 days period

Utility transaction fee

All other cards: 1% of the transaction amount + applicable GST on all Utility transactions if cumulative spends on Utility category exceed ₹25,000 in previous calendar month; charges are capped at ₹5000 per transaction

GST note

GST 18% (Applicable on all fee and charges)

Grace days after the due date

Account is eligible for late fee assessment if the minimum amount due is not received within the payment Due Date + Grace days

Minimum amount due

MAD = {Total GST + EMI amount + Membership/Rental/Wallet fees + Amount over the credit limit (if any)} + {(Finance Charges + other fees + 2% of Retail/Cash outstanding) or ₹200, whichever is higher}