Card Benefits
Key benefits available with this card.
10% Rewards on Online Spends
Earn 10 POPcoins for every ₹100 spent on online transactions across platforms.
Extra 5% Rewards on POP UPI
Earn an extra 5% POPcoins on UPI transactions when using your POP RuPay Credit Card via the POP UPI app.
2% Base Offline Rewards
Earn 2 POPcoins for every ₹100 spent on offline retail purchases and other regular transactions.
Exceptional Welcome Memberships
Get a ₹750 Cleartrip voucher, a 3-month Zomato Gold Mini membership, and a 6-month PharmEasy Plus membership upon card activation.
1,500 POPcoins Milestone
Earn an additional 1,500 bonus POPcoins upon reaching annual spends of ₹1.5 Lakhs.
RuPay UPI Payments
Link your credit card to supported UPI apps to make seamless QR code payments at merchant outlets.
1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across all petrol pumps in India (capped at ₹300 per month).
Welcome / Free Offer
₹750 Cleartrip voucher, 3-month Zomato Gold Mini, 6-month PharmEasy Plus membership, and 500 POPcoins on card activation.
Value up to ₹2,000
Eligibility: On card activation.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Online Transactions | 10.0000 points / ₹100 | Earn 10 POPcoins per ₹100 spent on eligible online purchases (Effective return: 10%). |
| POP UPI App Spends | 5.0000% | Earn an extra 5% POPcoins on UPI transactions processed through the POP UPI app. |
| Offline & Other Spends | 2.0000 points / ₹100 | Earn 2 POPcoins per ₹100 spent on regular offline and non-accelerated transactions. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions typically excluded by the bank (e.g., fuel, wallet load, EMI) do not earn POPcoins. |
Airport Lounge Access
Fuel Surcharge Waiver
Current Offers & Promotions
Lifetime Free Offer
Active₹0 Joining & Annual Fee
The card is currently being offered as a Lifetime Free credit card for a limited period.
Welcome Vouchers & Memberships
Active₹2,000+ Value
Get 500 POPcoins, a ₹750 Cleartrip voucher, 3-month Zomato Gold Mini, and 6-month PharmEasy Plus upon card activation.
₹1.5 Lakhs Spend Milestone
Active1,500 POPcoins
Earn an extra 1,500 POPcoins on spending ₹1.5 Lakhs in an anniversary year.
Eligibility Criteria
21 to 60 yrs
Salaried and Self-employed
₹25,000 / month
₹750,000 / year ITR
730+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 60 years. Income: ₹25,000/month or ITR ₹7.5 Lakhs+. Credit Score: 730+. New to Credit: Not Allowed. Card-on-card approval available for users with an existing credit card of min ₹50,000 limit and 6-month vintage.
Income: Salaried: ₹25,000 per month. Self-employed: Annual ITR > ₹7,50,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 730+ required.
Documents Needed
Fees & Charges
₹0
₹0 + GST
Standard annual fee: ₹399
Pros
• 10% value-back as POPcoins on online transactions
• Extra 5% POPcoins on UPI transactions made via the POP UPI app
• Outstanding welcome benefits including Zomato Gold and PharmEasy Plus
• Card-on-card approval basis makes it easier for existing cardholders to apply
• RuPay network allows seamless UPI merchant payments
Cons
• Base reward rate of 2% on offline purchases is considerably lower
• Rewards are restricted exclusively to the POPclub app ecosystem
• Does not offer any airport lounge access
• High finance charges at 3.99% per month