PhonePe HDFC Bank Uno vs YES BANK POP-CLUB
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
YES BANK POP-CLUB Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.8/10 vs 6.8/10.
| Feature | PhonePe HDFC Bank Uno | YES BANK POP-CLUB |
|---|---|---|
| CardTrail Score | 6.8/10 | 7.8/10 |
| Annual Fee | ₹499 | Free |
| Base Reward Rate | 1% | 2% |
| Max Reward Rate | 2% | 10% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | RuPay |
When to Choose PhonePe HDFC Bank Uno
- You can meet the fee waiver condition: Spend Rs 1L/year
- Your primary spend is: upi, digital-payments, entry-level
When to Choose YES BANK POP-CLUB
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 10% vs 2%
- Your primary spend is: upi, online-shopping, rewards
Annual Fee Value Analysis
To break even on PhonePe HDFC Bank Uno's ₹499 fee at 1% rewards, spend ₹4,158/month.
YES BANK POP-CLUB is lifetime free — no break-even needed.