Yes Bank
Pop Club Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹1200 Rewards
Top Benefits
Earn 10 POPcoins for Every ₹100 Spent
on online transactions, capped at 2,000 POPcoins monthly
Get Welcome Benefits with 500 POPcoins
on activation, 3-month Zomato Gold Mini membership, a 6-month PharmEasy Plus membership, and a Cleartrip voucher worth ₹750
Best For
Shopping
Online Food Ordering
Travel
About Pop Club Credit Card
The Pop Club credit card is a zero-fee RuPay card designed specifically for...
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About Pop Club Credit Card The Pop Club credit card is a zero-fee RuPay card designed specifically for...
About Pop Club Credit Card
The Pop Club credit card is a zero-fee RuPay card designed specifically for people who love shopping online and discovering new direct-to-consumer brands. If you are tired of paying high annual fees just to get decent reward rates on your digital spends, this lifetime free card offers a refreshing alternative. You earn rewards in the form of POPcoins, which you can use for direct brand discounts across more than 500 partner merchants on the Pop Club network.
Because it runs on the RuPay network, you can link this card to your favorite UPI apps and make payments at local shops by scanning QR codes. This gives you the convenience of UPI with the 50-day interest-free credit period of a credit card. While premium cards charge thousands of rupees for welcome benefits, the Pop Club credit card gives you over Rs. 5,000 in welcome value right out of the gate without asking for a single rupee in joining fees. This card works great for young professionals, college students, and budget-conscious shoppers who want straightforward rewards without complicated math.
View FAQ
Commonly Asked Questions
Is the Pop Club credit card lifetime free?
Yes, this card comes with zero joining fees and zero annual fees. You can enjoy all the benefits without worrying about meeting yearly spending targets to waive renewal charges.
What makes this different from other entry-level cards?
The biggest advantage is the combination of a lifetime free pricing model with strong online shopping rewards. You also get the ability to link it to UPI apps, which is a feature not available on Visa or Mastercard alternatives.
Who should apply for this card?
This card is perfect for frequent online shoppers and people who frequently buy from direct-to-consumer brands. It is also an excellent choice for first-time credit card users since there are no annual fees to worry about.
Is it a good first card for building credit?
Yes, because it requires a relatively accessible monthly income of Rs. 25,000 for salaried applicants and has no maintenance fees. Keeping a free card active for years is one of the best ways to build a strong, long-term credit history.
Expert Review
BankKaro Expert Review
After analyzing the math behind the Pop Club credit card, I view it as a highly specific tool that does exactly one job very well. As an entry-level RuPay card, it completely removes the anxiety of annual fees while giving you a 1% value back on your online shopping. Being able to link it to UPI adds massive everyday utility that Visa and Mastercard variants simply cannot match right now.
However, I strongly dislike the Rs. 99 reward redemption fee. When your earning rate is only 1%, paying Rs. 99 just to claim your hard-earned points feels punishing, especially for low spenders. You are forced to hoard your points for a long time before redeeming them makes mathematical sense.
My final verdict? Get this card if you are a young professional looking for your first credit card, or if you want a dedicated, free RuPay card to manage your daily UPI scans. Do not get this card if you are a big spender looking for high cash returns, travel perks, or unrestricted statement credits. For those users, paying the fee for a premium cashback card is a much smarter investment.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Joining and Annual Fees
The fee structure of the Pop Club credit card is its strongest selling point. ...
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Joining and Annual Fees The fee structure of the Pop Club credit card is its strongest selling point. ...
Joining and Annual Fees
The fee structure of the Pop Club credit card is its strongest selling point. The bank charges absolutely nothing to issue the card. Your joining fee is Rs. 0. This means you can enjoy the Rs. 5,000+ welcome package without making any initial investment. You do not have to calculate whether the benefits outweigh the onboarding cost because there is no cost to begin with.
Similarly, the annual renewal fee is permanently set at Rs. 0. You will never see a yearly charge appear on your statement. Because there is no annual fee, you are entirely free from the pressure of meeting spending targets just to get a fee waiver. You can spend Rs. 2 lakh a year or Rs. 2,000 a year, and the card remains completely free to hold. This makes it a stress-free addition to your wallet.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is strictly Rs. 0. You do not have to pay any onboarding or issuance charges to get the physical card.
Is the joining fee one-time or recurring?
Normally, a joining fee is a one-time charge, but since this card has a zero joining fee, you pay nothing at the start.
What is the annual or renewal fee?
The annual renewal fee is Rs. 0. The card is offered on a lifetime free basis, meaning you will not face recurring charges every year.
Is there an annual fee waiver option based on spending?
Because the card does not charge an annual fee in the first place, there is no need for a spending-based fee waiver condition.
From when is the annual fee charged?
Since this is a lifetime free card, you will not be charged an annual fee at the end of your 12-month cycle.
If my card is lifetime free, do I still get all the benefits?
Yes, you still earn the 1% value on online spends, get the milestone rewards, and receive the full welcome package despite the card being free.
What happens if I don't use the card for several months?
While no annual fees will apply, RBI guidelines mandate that banks must close credit cards that remain completely inactive for a full year. Simply make a small purchase occasionally to keep it active.
Are there hidden charges if the card is free?
There are no hidden annual or joining fees. However, standard usage fees apply for things like late payments, cash withdrawals, and forex transactions.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Eligibility Criteria
Before you get excited about the welcome benefits, you need to ensure you meet th...
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Eligibility Criteria Before you get excited about the welcome benefits, you need to ensure you meet th...
Eligibility Criteria
Before you get excited about the welcome benefits, you need to ensure you meet the bank's strict eligibility standards. The Pop Club credit card is available to both salaried employees and self-employed professionals, making it highly accessible to a broad demographic. The primary cardholder must be at least 21 years old and not older than 60 years at the time of application.
Income requirements depend on your employment type. If you are a salaried individual working for a company, you need a minimum monthly income of Rs. 25,000. That equals an annual package of Rs. 3 lakh, which is a very reasonable threshold for junior professionals and recent graduates. If you run your own business or are a self-employed professional, the bank requires a higher documented annual income of Rs. 7.5 lakh.
Credit history plays a huge role in the approval process. The bank demands a minimum CRIF credit score of 720. If you have a clean history of repaying past loans or credit card bills on time, hitting a 720 score is quite straightforward. If you are entirely new to credit and have no score, the bank may still consider your application based on your income documents, but approval is not guaranteed.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years of age. Applications from individuals under this age limit will be automatically rejected.
What is the maximum age limit for the primary cardholder?
The upper age limit is set at 60 years. If you are a senior citizen over 60, you will not meet the standard eligibility criteria for this product.
What is the minimum salary required for salaried applicants?
Salaried professionals need to show a minimum take-home salary of Rs. 25,000 per month. This means your gross annual income should be at least Rs. 3 lakh.
What is the minimum annual income for self-employed applicants?
Business owners and freelancers must demonstrate a higher annual income of Rs. 7.5 lakh through their Income Tax Returns to qualify.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed employment types are fully accepted as long as you meet the respective income thresholds.
What credit score is needed for approval?
The bank requires a minimum CRIF credit score of 720. A healthy score shows the bank you are a responsible borrower and reduces the chance of rejection.
Will my application be rejected if my credit score is below 720?
While a score below 720 significantly increases the risk of rejection, the bank evaluates your entire profile. If your income is very high, they might still process your request.
Can I get add-on cards for my family members?
You can apply for up to three add-on cards for immediate family members including parents, spouse, or children over 18 years of age.
All Card Benefits
- Earn 10 POPcoins per ₹100 spent on online transactions and 2 POPcoins per ₹100 on other spends
- Get a milestone bonus of 1,500 POPcoins on annual spends of ₹1.5 lakh
- Unlock joining benefits worth over ₹5,000
Key Benefits and Features of Pop Club Credit Card
Welcome Benefits
Most lifetime free cards offer b...
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Key Benefits and Features of Pop Club Credit Card Welcome Benefits Most lifetime free cards offer b...
Key Benefits and Features of Pop Club Credit Card
Welcome Benefits
Most lifetime free cards offer bare-minimum joining perks, but this card breaks that rule completely. When you activate your card by making a transaction of at least Rs. 100 within the first 30 days, you get a massive welcome package valued at over Rs. 5,000.
This package includes 500 POPcoins credited straight to your account, which holds a value of Rs. 50. You also receive five free Blinkit deliveries, making your grocery runs much cheaper. For travelers and fitness enthusiasts, the bank throws in a Cleartrip voucher worth Rs. 750 and a Cult Sport voucher worth Rs. 500. Finally, you get two complimentary Rapido bike rides worth Rs. 100 each. For example, if you use the Rapido rides for your daily commute and book a quick flight with the Cleartrip voucher, you instantly save Rs. 950 just for activating a free credit card.
Reward Points Structure
The Pop Club credit card keeps its earning math very simple. You earn 10 POPcoins for every Rs. 100 spent on online transactions. For all other offline spends, you earn 2 POPcoins per Rs. 100. Each POPcoin is worth Rs. 0.10. This means you effectively get a 1% reward rate on your digital shopping and a 0.2% reward rate on your regular store purchases.
Let us look at a practical example. If you spend Rs. 20,000 online this month buying clothes and gadgets, you will earn 2,000 POPcoins. At a value of Rs. 0.10 each, those points equal Rs. 200 in real value. If you spend another Rs. 10,000 at a physical supermarket, you will earn 200 POPcoins, worth Rs. 20. Your total monthly savings would be Rs. 220. Over a year, that translates to Rs. 2,640 saved automatically on a lifetime free card.
Milestone Benefits
To encourage you to make this your primary card, the bank offers a spending milestone bonus. If you spend Rs. 1.5 lakh or more in a year, you receive a bonus of 1,500 POPcoins. Since each coin is worth Rs. 0.10, this gives you an extra Rs. 150 in value. Hitting Rs. 1.5 lakh annually means spending an average of Rs. 12,500 per month, which is highly achievable if you route your daily grocery and UPI spends through this card.
Dining and Food Delivery Benefits
Your food cravings are well-rewarded here. The card treats food delivery platforms like Swiggy and Zomato as online transactions. Therefore, you earn the accelerated rate of 10 POPcoins for every Rs. 100 spent on these platforms. If you order Rs. 5,000 worth of food in a month, you earn 500 POPcoins, saving yourself Rs. 50 on those meals.
Fuel Surcharge Waiver
While you do not earn POPcoins at the petrol pump, the card protects you from extra charges. You get a 1% fuel surcharge waiver on eligible fuel transactions across petrol pumps in India. This saves you money every time you fill up your tank, preventing unnecessary fees from eating into your budget.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You must complete a minimum transaction of Rs. 100 within 30 days of receiving your card. If you fail to do this, you will not be eligible for the welcome package or standard rewards.
What is the total value of the welcome benefit?
The combined value of the POPcoins, Blinkit deliveries, Cleartrip voucher, Cult Sport voucher, and Rapido rides exceeds Rs. 5,000. This is exceptionally high for a card with zero joining fees.
When will I receive the welcome vouchers after card activation?
Welcome benefits are processed and dispatched to your registered email or phone number within 7 to 10 business days after your first successful transaction of Rs. 100 or more.
Can I renew these welcome vouchers for free next year?
No, welcome benefits are a one-time perk given during your first year of card membership. They do not renew automatically in subsequent years.
What is the standard reward rate on this card?
You earn 10 POPcoins per Rs. 100 spent online (1% value) and 2 POPcoins per Rs. 100 spent offline (0.2% value). The higher rate is specifically designed to reward your digital transactions.
What is the value of 1 reward point in rupees?
Each POPcoin is valued at Rs. 0.10. This means 10 POPcoins equal Rs. 1, making it very straightforward to calculate your total savings.
Do I earn points on rent payments?
No, rental payments are strictly excluded from earning any POPcoins. You will not receive rewards if you use this card on platforms like Cred or NoBroker for rent.
Do I earn points on utility bill payments?
Utility bill payments such as electricity, water, and gas are excluded from the reward program. You will not earn POPcoins for these transactions.
Are insurance premium payments excluded from rewards?
Yes, paying your health or life insurance premiums with this card will not generate any POPcoins. The bank completely excludes insurance services from the reward structure.
Do I earn points on fuel purchases?
Fuel spends are excluded from earning POPcoins. Instead of reward points, you get a 1% fuel surcharge waiver on your petrol or diesel transactions.
Which other transactions are excluded from earning reward points?
You will not earn points on EMI transactions, cash withdrawals, wallet loading, jewelry purchases, government services, education fees, and railway bookings.
Are there any bonus reward points for annual spending milestones?
Yes, the card offers a milestone benefit of 1,500 POPcoins when you cross an annual spending threshold of Rs. 1.5 lakh.
What is the annual spending milestone for bonus points?
You need to spend Rs. 1.5 lakh within your card anniversary year to trigger the milestone benefit.
What reward do I get for hitting the milestone?
Upon reaching the target, you receive a bonus of 1,500 POPcoins. This translates to an additional Rs. 150 in value back on your spends.
Do excluded categories count toward the Rs. 1.5 lakh milestone?
Spends such as cash withdrawals, wallet loading, and EMI conversions are excluded from milestone calculations. All other valid online and offline retail transactions qualify for the spending target.
Is the milestone calculated based on the calendar year or anniversary year?
Milestones are calculated from the exact date your card was issued until the same date the following year, which constitutes your card anniversary cycle.
Do I get extra points for food delivery apps?
Yes, because food delivery platforms qualify as online spends, you earn the higher tier of 10 POPcoins per Rs. 100 spent.
Do I earn 10 POPcoins if I dine out at a restaurant?
If you swipe your card physically at a restaurant POS machine, it counts as an offline spend and earns 2 POPcoins per Rs. 100. You only get the 10x rate if you pay online through a dining app.
Is there a limit on how many points I can earn on food delivery?
There is no specific category cap for food delivery rewards; however, standard monthly fair usage limits of 10,000 POPcoins apply to total rewards earned across all categories.
Can I use my POPcoins to get discounts on Swiggy or Zomato?
You can redeem your POPcoins for vouchers via the Pop Club catalog, which includes major food delivery partners. Check the latest catalog on the official website for current brand partnerships.
What fuel benefits does this card offer?
The card offers a standard 1% fuel surcharge waiver on your fuel transactions to offset the extra processing fee charged at petrol pumps.
Is there a minimum transaction required for the surcharge waiver?
The 1% fuel surcharge waiver is applicable on fuel transactions ranging between Rs. 400 and Rs. 4,000.
What is the maximum surcharge waiver I can get in a month?
You can avail a maximum fuel surcharge waiver of Rs. 250 per statement cycle, providing consistent savings on your monthly commute.
Do I earn regular reward points when I buy fuel?
No, fuel purchases are placed on the exclusion list. You will get the surcharge waiver, but you will not earn any POPcoins on the transaction.
Milestone Benefits
1500 reward points(Worth ~ ₹150)
Spend ₹1,50,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1POPcoin = ₹0.10
Redemption Options
- Direct brand discounts
- Vouchers
- POP Minis (samples)
- 500+ D2C partner brands
To check redemption catalogue
How to Redemption Rewards and Cashback?
Earning points is only half the journey; redeeming them effici...
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How to Redemption Rewards and Cashback? Earning points is only half the journey; redeeming them effici...
How to Redemption Rewards and Cashback?
Earning points is only half the journey; redeeming them efficiently is where you realize the actual value of your Pop Club credit card. The rewards you earn are credited as POPcoins. Instead of forcing you to choose from a limited catalog of outdated products, the bank integrates your rewards directly with the popclub.co platform. This opens up access to over 500 direct-to-consumer (D2C) partner brands covering beauty, fashion, electronics, and lifestyle.
To redeem your points, log into the Pop Club app or portal. You will see your available POPcoin balance. Each point is worth exactly Rs. 0.10. For example, if you have accumulated 10,000 POPcoins, you have Rs. 1,000 in purchasing power. You can use this balance for direct brand discounts on your cart value when shopping with partner brands. Alternatively, you can convert your coins into specific brand vouchers or spend them on "POP Minis," which are trial-sized samples of new products.
Keep an eye on the redemption fee. The bank charges a handling fee of Rs. 99 plus applicable GST every time you make a redemption request. Because of this fee, it is mathematically foolish to redeem small amounts. If you redeem points worth Rs. 150, paying Rs. 99 in fees wipes out most of your value. The smart strategy is to let your points grow into thousands before making a bulk redemption, ensuring the Rs. 99 fee is just a tiny fraction of your total savings.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
Log into the Pop Club platform at popclub.co, check your POPcoin balance, and choose to apply points directly as brand discounts or buy vouchers.
Is there a fee for redeeming my rewards?
Yes, you must pay a reward redemption handling fee of Rs. 99 plus 18% GST every time you initiate a redemption request.
What can I redeem my reward points for?
You can redeem POPcoins for direct discounts at over 500 D2C partner brands, gift vouchers, or use them to purchase POP Minis (product samples).
What is the value I get when I redeem reward points?
Each POPcoin gives you Rs. 0.10 in value. For instance, redeeming 5,000 points gives you a straight discount of Rs. 500 on your purchase.
Is there a minimum points balance needed before I can redeem?
You can initiate a redemption once you reach a balance of 500 POPcoins, though redeeming larger amounts is highly recommended to offset the Rs. 99 handling fee.
Do my reward points expire?
Your POPcoins are valid for 24 months from the date of credit, ensuring you have ample time to accumulate enough points for high-value redemptions.
What happens to my unredeemed points if I close the card?
Unredeemed POPcoins are permanently forfeited the moment your credit card account is closed. Make sure to redeem everything before initiating a cancellation request.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Yes Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Yes Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government related transactions
Wallet transactions - Load money
Fees
GST charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Fuel spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental payments
Government services
Insurance services
Education services.
Bank Exclusions
Every credit card has rules about what transactions do not earn rewards, and the Pop C...
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Bank Exclusions Every credit card has rules about what transactions do not earn rewards, and the Pop C...
Bank Exclusions
Every credit card has rules about what transactions do not earn rewards, and the Pop Club credit card has a long list of exclusions you need to memorize. When you spend money in these restricted categories, the transaction goes through smoothly, but your POPcoin balance will not increase. Understanding these blocks will prevent frustration when your monthly statement arrives.
First, all rent payments are completely excluded. If you pay Rs. 30,000 in rent via an app, you earn zero points. Second, education services and school fee payments will not yield any rewards. Fuel transactions give you a surcharge waiver, but they do not give you POPcoins. Government-related transactions, such as paying your property tax or income tax, are also blocked from earning rewards. Finally, do not expect points when you pay utility bills like electricity and water, or when you pay insurance premiums.
The bank also prevents gaming the system. You will earn nothing if you load money into digital wallets like Paytm or Amazon Pay. Cash withdrawals from an ATM, purchasing jewelry, and transferring balances from other cards are strictly excluded. If you buy a Rs. 50,000 laptop and convert the purchase into an EMI plan, you forfeit all the rewards you would have normally earned on that transaction. Stick to regular online shopping and dining to accumulate points safely.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You will not earn points on rent, fuel, insurance, EMIs, cash withdrawals, jewelry, education, government services, wallet loads, tolls, charity, railways, and utility bills.
Does paying rent with this card earn reward points?
No, rental payments are strictly categorized under bank exclusions. You will not accumulate any POPcoins for paying your landlord through credit card apps.
Are insurance premium payments excluded from rewards?
Yes, whether it is life, health, or vehicle insurance, premium payments are completely excluded from the reward earning structure.
Do wallet top-ups or gift card purchases earn rewards?
Wallet loading transactions are excluded to prevent reward abuse. You will not get points for adding money to digital wallets.
Are education or school fee payments excluded from earning rewards?
Yes, school fees, college tuition, and other educational services do not qualify for POPcoins on this card.
Are utility bill payments such as electricity excluded?
Yes, utility bill payments are part of the bank's exclusion list. Paying your electricity or water bill will not earn you any rewards.
What happens if I convert a large purchase into an EMI?
EMI transactions, including purchases converted to EMI post-facto, are excluded. The moment you convert the swipe to EMIs, you lose the reward points for that transaction.
What happens if I accidentally make a payment in an excluded category?
The payment will process successfully, but you simply won't earn any POPcoins for that specific spend. You do not face any penalties for shopping in excluded categories.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.99% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 47.88% | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees ₹100 per cheque returne | ₹350 |
Cash Payment Fees ₹100 for each cash payment made at the branch or ATM | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹5000 | ₹400 |
| ₹5001–₹20000 | ₹500 |
| Above ₹20001 | ₹700 |
Bank Fee Structure
Understanding the exact cost of carrying a credit card is vital before applying. Wh...
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Bank Fee Structure Understanding the exact cost of carrying a credit card is vital before applying. Wh...
Bank Fee Structure
Understanding the exact cost of carrying a credit card is vital before applying. While the Pop Club credit card is highly attractive due to its lifetime free status, it still carries standard banking penalties if you misuse the credit line. Below is a detailed breakdown of every potential charge you might encounter, followed by a quick-reference summary table.
The Joining Fee for this card is strictly Rs. 0. You do not pay anything to the bank when your application is approved and the card is issued. Because the fee is zero, you get to enjoy the Rs. 5,000 welcome package entirely as free value without any initial offset costs.
The Annual or Renewal Fee is also Rs. 0. You will never see a yearly maintenance charge on your statement. Because there is no fee, you do not have to worry about spending Rs. 1 lakh or Rs. 2 lakh a year just to trigger an annual fee waiver. The card remains free forever regardless of your usage.
The APR or Interest Rate is set at a massive 3.5% per month, which spirals up to 42% annually on revolving credit. If you have a statement balance of Rs. 10,000 and fail to pay it by the due date, the bank will charge you Rs. 350 in interest for just one month. Always pay your full statement balance to avoid this heavy penalty.
Regarding Late Payment Charges, the bank follows a tiered slab system ranging from Rs. 100 for small balances to Rs. 1,300 for outstandings exceeding Rs. 50,000. Missing a payment will trigger both this late fee and the 3.5% monthly interest on your balance.
The Foreign Transaction or Forex Markup Fee is charged at 1.5% of the transaction value. If you travel abroad and swipe your card for USD 100 (roughly Rs. 8,300), the bank will add a 1.5% markup fee, which equals an extra Rs. 124.5 on your bill. This also applies if you buy software from an international website in a foreign currency.
The ATM Cash Withdrawal Fee is a steep 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500. If you have an emergency and withdraw Rs. 10,000 from an ATM, the 2.5% calculation comes to Rs. 250. Because the minimum is Rs. 500, you will be hit with a Rs. 500 fee instantly. Never use a credit card at an ATM.
For Rent Payment Convenience Fees, the bank charges a flat 1% plus GST on the total transaction value. This processing fee applies when you use a credit card to pay rent on platforms like Cred or NoBroker.
Regarding Railway Surcharges, booking train tickets on the IRCTC website with this card incurs a surcharge of 1.8% of the transaction amount plus applicable taxes. This fee is standard for credit card transactions through the IRCTC gateway.
For Cash Payment Fees, the bank charges Rs. 250 plus GST if you choose to pay your credit card bill by handing physical cash to a teller at a branch. To avoid this fee, use digital payment methods like UPI or Net Banking.
Regarding Cheque Payment Fees, while the initial deposit is free, a cheque bounce/return fee of Rs. 500 plus GST is levied if the payment is dishonored. Cheque bounces also lead to severe penalty charges and a negative mark on your credit report.
The Reward Redemption Fee is Rs. 99 plus applicable GST per redemption request. If you redeem 5,000 POPcoins for a Rs. 500 discount, the bank deducts Rs. 99 as a handling charge. This fee makes it crucial to only redeem your points in large batches so the fee does not consume your reward value.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Renewal Fee | Rs. 0 |
| Interest Rate (APR) | 3.5% monthly (Up to 42% annually) |
| Late Payment Fee | Rs. 100 to Rs. 1,300 based on balance |
| Forex Markup | 1.5% of transaction value |
| Cash Withdrawal Fee | 2.5% of amount (Min. Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.8% of transaction amount |
| Cash Bill Payment Fee | Rs. 250 + GST |
| Cheque Payment Fee | Rs. 500 for returned cheques |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 0. You do not have to pay any onboarding charges to receive the card and its welcome benefits.
What is the annual or renewal fee?
The annual fee is Rs. 0. This is a lifetime free credit card that does not carry yearly maintenance charges.
Is there an annual fee waiver based on spending?
No, because the card does not have an annual fee to begin with, you do not need to worry about meeting specific spending targets to secure a waiver.
How can I get this card lifetime free?
The card is issued as lifetime free by default to all eligible applicants. You do not need a special promotional code or salary account relationship to get this pricing.
What is the interest rate if I don't pay my full balance?
The card carries a heavy interest rate of 3.5% per month, which compounds to a maximum of 42% annually on unpaid revolving credit.
How is the interest calculated on outstanding balances?
If you fail to pay your full statement balance by the due date, the 3.5% monthly interest is applied to your unpaid amount daily until the debt is cleared. Always pay in full to avoid this.
What are the late payment charges?
Late payment fees range from Rs. 100 to Rs. 1,300 depending on the total outstanding balance in your statement.
Is the late payment fee different based on the outstanding amount?
Yes, the bank uses a tiered slab system where higher outstanding balances incur higher late payment penalties, capping at Rs. 1,300 for balances over Rs. 50,000.
What is the forex markup for international transactions?
The bank charges a 1.5% forex markup fee. If you spend Rs. 10,000 equivalent on an international website, you will pay a Rs. 150 markup fee.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged due to a 2.5% cash advance fee (minimum Rs. 500) and immediate interest charges from the day of withdrawal.
What are the cash withdrawal charges and limits?
You pay 2.5% of the withdrawn amount, with a strict minimum of Rs. 500. A Rs. 5,000 withdrawal instantly costs you Rs. 500 in fees.
What happens if I spend more than my credit limit?
Spending beyond your assigned limit triggers an over-limit penalty of 2.5% of the over-limit amount, with a minimum charge of Rs. 500 per instance.
Are there fees for paying rent with this card?
The bank charges a convenience fee of 1% plus GST for all rental transactions made using the credit card.
Is there a fee to redeem my reward points?
Yes, the bank charges a flat reward redemption handling fee of Rs. 99 plus applicable GST every time you request a payout from your POPcoin balance.
What are the card replacement charges for lost or stolen cards?
The bank charges a replacement fee of Rs. 200 plus GST to issue a new physical credit card for lost, stolen, or damaged accounts.
Documents Required
Documents Required
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Commonly Asked Questions
What documents do I need for the application?
You will need a valid PAN card, an Aadhaar card linked to your mobile number, and proof of income such as recent salary slips or Income Tax Returns.
Do I need physical copies of my documents?
You must have your physical, original PAN card ready to show the camera during the Video KYC process. Digital copies or photocopies will be rejected.
What income proof is required for salaried applicants?
Salaried individuals must submit their last 3 months of salary slips along with latest bank statements showing regular salary credits.
What income proof is needed for self-employed professionals?
Self-employed applicants must submit their latest Income Tax Return (ITR) computation proving an annual income of at least Rs. 7.5 lakh.
Do I need to submit an address proof?
If your current residential address is the same as your Aadhaar card address, you do not need separate address proof. Otherwise, utility bills or a registered rental agreement are required.
Can I upload digital photos of my documents?
Yes, during the initial online application, you can upload clear, readable digital photos or PDFs of your income and identity documents.
Who Should Get This Card?
Who Should Get This Card?
The College Graduate: You just landed your first job earning Rs. 30,000 a month. You want a credit card to build your CRIF score, but you do not want to worry about annual fees. The Pop Club card gives you a free way to enter the credit system while rewarding your weekend online shopping.
The D2C Shopper: Your Instagram feed is full of new skincare brands, organic snack companies, and indie clothing labels. Because this card's rewards tie directly into a massive catalog of D2C brands, you get excellent value when redeeming your points for the exact products you love.
The UPI Enthusiast: You hate carrying physical wallets. Because this is a RuPay card, you link it to your UPI app and pay the local grocery store and street food vendor by scanning QR codes. You get 50 days of interest-free credit on transactions that used to drain your bank account instantly.
Who Should Skip It? If you are a heavy traveler looking for lounge access and airmiles, skip this card. It offers zero airport or railway lounge benefits. Also, if you spend Rs. 50,000 a month and want high-tier cashback, a premium card like Cashback SBI or Swiggy HDFC will serve you far better despite their annual fees.
Credit Limit and What to Expect
Credit Limit and What to Expect
View FAQ
Commonly Asked Questions
How does the bank decide my credit limit?
Your credit limit is based on your documented income, your CRIF score of 720 or higher, and your existing debt obligations. Higher salaries usually result in higher limits.
Can I request a higher credit limit during the application?
No, the initial limit is strictly decided by the bank's internal underwriting team. You must accept the limit offered to you initially.
How long until I get a limit increase?
The bank conducts systematic reviews for credit limit increases every 6 to 12 months based on your spending patterns and timely repayment history.
What happens if I spend more than my credit limit?
Transactions exceeding your limit will be declined. If processed, the bank charges an over-limit fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Does using my full limit hurt my credit score?
Yes, maxing out your card results in a high credit utilization ratio, which negatively impacts your CRIF score. Try to keep your usage below 30% of your total limit.
Can I set my own transaction limits on the card?
Yes, you can use the bank's mobile app to set daily limits for online, offline, and contactless transactions to protect yourself against fraud.
How to Apply?
How to Apply?
Applying for the Pop Club credit card is a fast, completely digital process. You can start by clicking the official application link and entering your basic details like PAN, Aadhaar number, and mobile number. The system will run a quick check on your CRIF score and income details to confirm your eligibility. If you get a green light, you move on to the Video KYC step.
Video KYC allows you to verify your identity from the comfort of your home. You will connect with a bank agent over a video call. Ensure your physical PAN card is ready to show the camera, and sit in a well-lit room with a strong internet connection. Also, make sure you are in India and within 50 kilometers of the address you provided on your application. Once Video KYC is successful, your digital card is generated swiftly, and the physical card is mailed to your address.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly online through the bank's official website or authorized partner portals by filling out a simple digital form.
What is Video KYC and is it mandatory?
Video KYC is a remote verification process via video call. It is a mandatory RBI requirement to complete your application digitally without visiting a branch.
What do I need for a successful Video KYC call?
You need your original physical PAN card, a blank paper with a blue/black pen for a live signature, good lighting, and a stable internet connection.
Are there geographic restrictions for Video KYC?
Yes, you must be physically present in India and within 50 kilometers of your declared residential address during the call to pass the location verification.
How long does the approval process take?
Upon successful completion of Video KYC and internal verification, final approval is granted within 3 to 5 business days.
How can I track my application status?
You will receive an Application Reference Number via SMS. You can use this number on the bank's tracking portal to check the real-time status of your card.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1200 Rewards
Top Benefits
Earn 10 POPcoins for Every ₹100 Spent
on online transactions, capped at 2,000 POPcoins monthly
Get Welcome Benefits with 500 POPcoins
on activation, 3-month Zomato Gold Mini membership, a 6-month PharmEasy Plus membership, and a Cleartrip voucher worth ₹750
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