YES POP Review 2026

What is YES POP Credit Card?
The YES POP Credit Card is a RuPay-powered card designed specifically for UPI payments. It rewards users with POPcoins for scanning merchant QR codes, merging the convenience of UPI with credit card rewards.

Table of Contents

1. Card Overview & Fees

YES POP Credit Card Credit Card Design

YES POP Credit Card

Best For: UPI Rewards

Joining Fee
₹399 + GST
Annual Fee
₹399 + GST (Waived on ₹1 Lakh spend)
Apply YES POP Card →

2. Key Benefits & Features

Welcome BenefitsBonus POPcoins on first transaction
Cashback/Reward RateEarn POPcoins on UPI transactions and online spends
Lounge AccessNone
Fuel Surcharge Waiver1% surcharge waiver
EMI OptionsAvailable for non-UPI spends above ₹2,500
Other BenefitsOffers via YES Privileges | None

3. Pros & Cons

✅ Pros

  • ✔️ Rewards on all UPI QR code payments
  • ✔️ Issued on RuPay network for seamless scanning
  • ✔️ Flexible POPcoins redemption via POP app

❌ Cons

  • ✖️ Rewards are in coins, not direct bank cashback
  • ✖️ Lacks premium travel and lifestyle perks

4. Eligibility & Documents Required

Age: 21 to 60 years

Minimum Income: ₹25,000+ per month

Documents: PAN Card, Aadhaar Card

Note: Online application requires Aadhaar linked to mobile number for instant e-KYC.

5. Expert Verdict (2026)

✅ Who Should Apply: Users who heavily rely on UPI for everyday micro-transactions and want to earn rewards on them.

❌ Who Should Avoid: Users who prefer large credit limits, travel benefits, or pure statement cashback.

"A strong contender in the emerging UPI credit card space. By partnering with the POP app, YES Bank offers a unique reward system for everyday small payments."

Apply YES POP Card →

6. Alternatives & Comparisons

Before making a decision, see how the YES POP stacks up against its closest competitors:

Card Best For Annual Fee
YES POP CURRENT ₹399 + GST (Waived on ₹1 Lakh spend)
Kiwi RuPay Scan & Pay UPI Cashback Lifetime Free
IDFC FIRST WOW Building Credit Score / Zero Forex Lifetime Free

7. People Also Ask & FAQs

People Also Ask

Can I use YES POP on Google Pay?
Yes, as a RuPay credit card, it can be linked to Google Pay, PhonePe, and Paytm for merchant payments.
Are POPcoins valuable?
POPcoins hold value within the POP app ecosystem and can be used for purchasing partner products.
Is there a limit to UPI payments?
UPI payments via credit cards are typically capped at ₹1,00,000 per day by most third-party apps.

Frequently Asked Questions

Can I link this card to Google Pay/PhonePe?
Yes, since it is a RuPay credit card, it can be linked to any UPI app like GPay, PhonePe, or Paytm.
Do I earn rewards on scanning local vendor QR codes?
Yes, merchant UPI transactions (P2M) earn POPcoins.
Can I send money to a friend (P2P) using this card?
No, RBI guidelines strictly prohibit P2P (person-to-person) transfers using a credit card on UPI.
What is the value of a POPcoin?
1 POPcoin is generally equivalent to ₹1 when redeemed on the POP app ecosystem.
Is there a limit on UPI transaction amounts?
Most UPI apps limit credit card UPI transactions to ₹1,00,000 per day.
Is there a physical card provided?
Yes, you receive both a virtual card instantly and a physical card via mail.
How do I check my POPcoins balance?
Your POPcoins balance is visible directly within the POP mobile application.
Does this card offer an interest-free period for UPI?
Yes, you enjoy the standard up to 50 days interest-free period even on UPI transactions.
YES POP Credit Card
Instant Approval | Check Eligibility
Apply Now

Verified by CreditConnects Editorial Team

Last Updated: July 2026

Editorial Policy: Our reviews are independent and data-driven. We regularly update our content to reflect the latest RBI guidelines and bank terms.

Sources & References

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CreditConnects Editorial Team

Last Updated: July 2026
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