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SBI Cashback Credit Card vs YES BANK POP-CLUB Credit Card

Honest side-by-side comparison of SBI Cashback Credit Card, YES BANK POP-CLUB Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI Cashback Credit Card

SBI Card

YES BANK POP-CLUB Credit Card

YES Bank

Your adjusted comparison

Feature
SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

YES BANK POP-CLUB Credit Card

YES BANK POP-CLUB Credit Card

YES Bank

Fees & eligibility
Annual fee₹999₹399
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹5,880/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr)
Top reward rate5%10 POPcoins / ₹100
Primary reward cap₹2,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Earns: 2 POPcoins / ₹100 on eligible UPI (modeled at ~1%) · cap Eligible personal spends only
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsFuel · Rent · Wallet · Utilities · Insurance
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SBI Cashback Credit Card details →YES BANK POP-CLUB Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, YES BANK POP-CLUB Credit Card leads SBI Cashback Credit Card by about ₹360/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

SBI Cashback Credit Card vs YES BANK POP-CLUB Credit Card comparison table
FeatureSBI Cashback Credit Card

SBI Card

YES BANK POP-CLUB Credit Card

YES Bank

Fees & eligibility
Annual fee₹999₹399
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹1,50,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹5,880/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr)
Top reward rate5%10 POPcoins / ₹100
Primary reward cap₹2,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Earns: 2 POPcoins / ₹100 on eligible UPI (modeled at ~1%) · cap Eligible personal spends only
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsFuel · Rent · Wallet · Utilities · Insurance
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
YES BANK POP-CLUB Credit Card has the lowest annual fee at ₹399.
Which card earns more on moderate spend?
YES BANK POP-CLUB Credit Card leads with an estimated ₹5,880/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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