Pop Club Credit Card

Best For

Shopping

Online Food Ordering

Grocery Shopping

Travel

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

N/A

Annual Fees

₹0 ( ₹0 + GST )

N/A

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

730+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1POPcoin = ₹0.25

Redemption Options

Direct discounts, vouchers, POP minis (samples), D2C partner discounts (100+ brands)

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

• Unlimited base rewards (10 POP/₹100 online, 2 POP/₹100 offline) + up to 5 POP/₹100 via POP UPI (capped 2,000 bonus POP/month)
• 1,500 POP milestone bonus on ₹1.5 L annual spend
• Joining benefits worth ₹5,000+

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 Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends ₹100 = ₹3.5 ₹1,000 = ₹35 ₹10,000 = ₹350 ₹1,00,000 = ₹3,500	3.5%
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ATM Withdrawl 2.5% of amount withdrawn or ₹500, whichever is higher; finance charges apply from day one	2.5%
Reward Redemption Fees	N/A
Link for all T&Cs	Click Here
Railway Surcharge	N/A
Rent Payment Fees 1% of the transaction value or ₹199 whichever is higher.	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 An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared	Amount Due
₹0–₹100	₹0
₹101–₹500	₹100
₹501–₹5000	₹400
₹5001–₹20000	₹500
Above ₹20001	₹700