YES Bank POPclub Credit Card
The YES Bank POPclub Credit Card is a unique offering created in partnership between YES Bank and POPclub. With every purchase, you earn POPcoins, which can be redeemed on the POPclub app for future buys. The card comes with great perks, including zero joining fees, up to Rs. 5,000 in welcome benefits, and exclusive offers from top brands like Blinkit and Cult Sport.
Cardholders also gain access to secure UPI payments via RuPay Credit Card and enjoy reward points, cashback, and tailored deals designed for greater spending flexibility and convenience.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
What are POPcoins?
POPcoins are loyalty points earned on purchases made through POPclub and its partner sites.
How to Earn More POPcoins?
Earn 10 POPcoins for every Rs. 100 spent online, 2 POPcoins for offline purchases, and additional coins for UPI or POPclub App transactions.
Validity of POPcoins?
POPcoins remain valid for one year from the date they are credited.
Minimum Transaction for POPcoins?
You can earn POPcoins on transactions worth Rs. 100 or more.
When are POPcoins Credited?
They are credited after your monthly credit card statement.
How to Use POPcoins?
Use POPcoins for discounts on POPclub, trial packs, or special offers with partnered brands.
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