LIFETIME FREE RuPay 📡 Contactless NFC

POP Club YES Bank Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply & Earn ₹750 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Gen Z and digital shoppers wanting an unconditionally Lifetime Free RuPay card offering 2% to 20% valueback in POPcoins, domestic lounge access, and premium subscription freebies.

Who Should Avoid

Users seeking international lounge visits or traditional cash statement adjustments.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹750 directly upon successful card approval.

Claim ₹750 & Apply →

🎉

Joining & Activation Welcome Gift

Cleartrip voucher worth ₹750 + 3-month Zomato Gold Mini + 6-month PharmEasy Plus membership + 500 POPcoins upon activation

2% to 20% Valueback in POPcoins

Earn guaranteed 2% valueback as POPcoins on all retail spends and up to 20% valueback on partner brands via POP Shop.

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (on min ₹10,000 spend in preceding month).

Welcome Bundle Worth ₹2,000+

Cleartrip voucher worth ₹750 + Zomato Gold Mini (3 months) + PharmEasy Plus (6 months) upon joining.

💰 Reward Structure & Point Valuation

1 POPcoins = ₹0.25

Standard Base Earning

2% value back as POPcoins on regular retail purchases (1 POPcoin = ₹0.25)

Accelerated / Partner Rate

Up to 20% value back in POPcoins on partner brand purchases via POP Shop app; 2% base value back on all other retail and RuPay UPI spends (1 POPcoin = ₹0.25)

Points Validity:24 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: POP Shop Brand Vouchers & Direct Merchandise Redemptions (1 POPcoin = ₹0.25), Partner Discount Offers

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✓ Supported (RuPay)

2% valueback as POPcoins on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the POP Club YES Bank Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Apply & Claim ₹750 →

Personalized Card Matcher

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Frequently Asked Questions

Yes, the POP Club YES Bank Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

POP Club YES Bank Credit Card Lifetime Free (₹0)