Uni Card 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 3 of 8 dimensions with a CardTrail Score of 7.8/10 vs 7.5/10.
| Feature | Uni Card | YES BANK POP-CLUB |
|---|---|---|
| CardTrail Score | 7.5/10 | 7.8/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 1% | 2% |
| Max Reward Rate | 7% | 10% |
| Forex Markup | Zero | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | RuPay |
When to Choose Uni Card
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- Your primary spend is: rewards, gold, forex
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 7%
- Your primary spend is: upi, online-shopping, rewards
Forex Cost Comparison
On ₹1,00,000 annual international spending: Uni Card costs ₹0 in forex fees vs YES BANK POP-CLUB at ₹4,130. You save ₹4,130/year with Uni Card.