POP Card Referral Code CC8OETX243 – use this when applying for the YES Bank POP Club RuPay Credit Card to ensure your application is linked to any active referral benefits at the time of sign-up.
But before you apply, let me tell you what most POP Card articles skip: this card is not just another lifetime-free credit card.
It combines a RuPay credit card with a UPI payment experience – meaning you can scan any UPI QR code and pay with your credit card, earning up to 10% savings on every POP UPI scan. In India’s QR-dominated payment landscape, that is a genuinely different and useful proposition.
This article covers everything about the POP Card Referral Code, the YES Bank POP Club RuPay Credit Card, its features, fees, eligibility, UPI cashback mechanics, and an honest verdict on who should apply.
👉 Apply with POP Card Referral Code CC8OETX243: https://dl.popclub.co/RBRRoFsRH5b
Also Read: ZET App Review (2026): Is This FD-Backed Credit Card Worth It for Building Credit Score?
What Is POP Card?
POP Card is the YES Bank POP Club RuPay Credit Card – a co-branded credit card issued by YES Bank in partnership with POP Club, a rewards and lifestyle platform.
The card is issued on the RuPay network, which gives it a critical advantage over Visa and Mastercard in India: it works natively on UPI.
This is the feature that makes the YES Bank POP Club RuPay Credit Card genuinely different from most credit cards in India.
In India, UPI has become the default payment method for hundreds of millions of people — from chai stalls to supermarkets to online merchants. But historically, credit cards could not be used directly on UPI.
RuPay credit cards changed that. By linking a RuPay credit card to your UPI app, you can scan any UPI QR code and pay using your credit card – earning credit card rewards on payments that previously gave you nothing.
POP Club built an entire rewards ecosystem around this: up to 10% savings when you pay via POP UPI scan using the POP Card. For regular UPI users who pay by scanning QR codes multiple times a day, this is a compounding saving opportunity that most credit card holders in India have never had access to.
POP Card Key Facts:
- Issued by: YES Bank
- Network: RuPay
- Type: Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Joining Fee: ₹0
- USP: Up to 10% savings on POP UPI scans
- Available via: POP Club app
POP Card Referral Code 2026: CC8OETX243
POP Card Referral Code
CC8OETX243
| Card name | YES Bank POP Club RuPay Credit Card |
| Issued by | YES Bank |
| Network | RuPay |
| Joining fee | ₹0 — Free |
| Annual fee | ₹0 — Lifetime free |
| UPI reward rate | Up to 10% |
| UPI compatible | ✓ Yes — RuPay UPI |
| Credit score building | ✓ Yes — CIBIL reported |
| Card type | Unsecured credit card |
| Best for | Daily UPI QR scan users |
| International use | Limited — RuPay |
| Lounge access | Not available |
| Forex markup | Standard rate applies |
The POP Card Referral Code for 2026 is CC8OETX243
Use this POP Card Referral Code when applying for the YES Bank POP Club RuPay Credit Card to ensure your application is linked to any referral benefits officially available at the time of your registration.
POP Card Referral Code: CC8OETX243
POP Card Referral Link: https://dl.popclub.co/RBRRoFsRH5b
Clicking the referral link above is the easiest way to apply — it opens directly to the POP Card application flow. If you’re applying manually through the POP Club app, enter CC8OETX243 in the referral or invite code field during registration.
Important: Referral rewards and sign-up bonuses are subject to POP Club’s current promotional terms. This article does not guarantee any specific bonus amount. Always verify the latest referral offer terms directly on the official POP Club app or website before applying.
How to Apply for POP Card Using POP Card Referral Code CC8OETX243
Applying for the YES Bank POP Club RuPay Credit Card is fully digital. Here is the step-by-step process:
Step 1: Click the referral link Open https://dl.popclub.co/RBRRoFsRH5b — this links your application to the POP Card Referral Code CC8OETX243 automatically.
Step 2: Download the POP Club app The application is processed through the POP Club app. Download it from the Google Play Store (Android) or Apple App Store (iOS).
Step 3: Register with your mobile number Enter your mobile number and verify via OTP. This becomes your primary login identifier.
Step 4: Enter referral code if not pre-filled If the POP Card Referral Code CC8OETX243 is not pre-filled from the referral link, enter it manually in the referral code field.
Step 5: Complete your application Fill in personal details — name, date of birth, PAN card number, address, and income details.
Step 6: Complete KYC Submit PAN card and Aadhaar for digital KYC verification. The process is entirely paperless.
Step 7: Credit assessment by YES Bank YES Bank reviews your application. Approval timelines vary — typically a few hours to a few days.
Step 8: Card activation Upon approval, your virtual card is activated immediately for UPI-linked transactions. The physical card is dispatched by courier.
Step 9: Link to UPI Add your YES Bank POP Club RuPay Credit Card to your preferred UPI app (Google Pay, PhonePe, BHIM, or the POP app’s own UPI). Start earning up to 10% savings on every POP UPI scan.
YES Bank POP Club RuPay Credit Card Features
1. Lifetime Free – Zero Joining Fee, Zero Annual Fee
The YES Bank POP Club RuPay Credit Card is lifetime free. No joining fee. No annual fee. No spend-based waiver condition. You apply once and the card remains free for life – regardless of how much or how little you spend.
This is particularly meaningful because cards that offer UPI credit capabilities in India typically come with annual fees of ₹500–₹2,000.
POP Card eliminates that cost entirely, making the UPI credit experience accessible without an annual commitment.
2. Up to 10% Savings on POP UPI Scans
This is the headline feature and needs clear explanation because “up to 10%” requires context.
When you pay using POP UPI scan – scanning any UPI QR code through the POP Club app using your YES Bank POP Club RuPay Credit Card – you earn POP Coins or cashback savings on every transaction. The savings rate goes up to 10% on eligible transactions.
The rewards structure is tiered – higher savings on transactions at POP Club partner merchants and categories, with a base reward rate on general UPI scans.
The exact current reward rate by category should always be verified in the POP Club app, as promotional rates and merchant-specific offers change regularly.
Practical example: If you pay ₹500 for groceries via POP UPI scan at an eligible merchant, a 10% saving means ₹50 back. Over 20–30 such transactions per month – which is not unusual for an active UPI user – the monthly saving can be ₹500–₹2,000 depending on spend volume and merchant eligibility.
3. RuPay Network – Native UPI Credit Integration
The RuPay network is what makes credit-on-UPI possible. Visa and Mastercard credit cards cannot be directly linked to UPI for QR scan payments under current NPCI guidelines. RuPay credit cards can.
This means the YES Bank POP Club RuPay Credit Card can be added to:
- Google Pay (with RuPay credit card support)
- PhonePe
- BHIM
- Paytm
- POP Club’s own UPI interface
Every QR code payment made through these apps using the POP Card earns rewards — whereas paying the same QR codes with a Visa or Mastercard credit card (through traditional card payment, not UPI) is often not possible at small merchants who only have a QR code.
This effectively extends credit card rewards to the billions of UPI QR scan transactions that happen daily in India — a market that previously gave zero credit card rewards.
4. POP Club Ecosystem – Rewards Beyond the Card
The POP Card sits inside the POP Club ecosystem, which includes:
- POP Coins: Rewards currency earned on transactions, redeemable for discounts, products, and experiences within the POP Club platform
- Partner merchant offers: Additional cashback or savings at POP Club’s partner brands
- Lifestyle privileges: Access to deals, offers, and experiences curated within the app
- Referral program: Earn POP Coins or rewards when you refer friends using your POP Card Referral Code CC8OETX243
5. YES Bank Credit Card Infrastructure
The YES Bank POP Club RuPay Credit Card benefits from YES Bank’s established credit card infrastructure — meaning standard credit card features apply:
- Interest-free credit period (standard billing cycle – typically 18–50 days depending on transaction date)
- EMI conversion on eligible purchases
- Fraud protection under RBI’s zero-liability guidelines
- Credit bureau reporting to CIBIL – every on-time payment builds your credit score
6. Credit Score Building
Like any credit card, the YES Bank POP Club RuPay Credit Card reports to credit bureaus monthly. On-time payment of your statement amount builds positive credit history.
For users who are new to credit cards or building their CIBIL score, the POP Card’s lifetime-free structure makes it a zero-cost credit-building instrument.
POP Card Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Finance Charge (revolving) | Standard YES Bank credit card rate |
| Late Payment Fee | Standard charges apply |
| Cash Advance Fee | Applicable |
| Foreign Transaction Fee | Verify in app (RuPay typically has lower forex fees) |
| Card Replacement Fee | Verify with YES Bank |
| Overlimit Fee | Verify in app |
The card is genuinely free from the fees that matter most – joining and annual. Standard credit card penalty charges for late payment, cash advances, and revolving credit apply – same as any YES Bank credit card product.
Critical reminder: Never revolve credit on any credit card including the POP Card. The finance charge on revolving credit (carrying a balance from month to month) is typically 3–3.5% per month – effectively 36–42% annualised. Always pay the full statement amount before the due date to avoid interest charges.
POP Card Eligibility
To apply for the YES Bank POP Club RuPay Credit Card:
- Age: Typically 21–60 years (verify current criteria in app)
- Residency: Indian resident
- PAN Card: Mandatory
- Aadhaar: Required for KYC
- Credit Score: A reasonable credit history is beneficial — YES Bank assesses applications based on credit bureau data
- Income: May be required depending on the application profile
The card’s eligibility is assessed by YES Bank, not POP Club. The fintech platform handles the onboarding experience, but the credit underwriting is done by the bank.
Rejection reasons typically include low or no credit score, too many recent credit enquiries, or income verification issues.
Who Should Apply for the POP Card?
The POP Card is ideal for:
Active UPI users who scan QR codes daily. If you pay for groceries, food, local shops, or daily commute using UPI QR scans, the POP Card’s up to 10% saving on POP UPI scans directly rewards your existing payment behaviour. You don’t need to change how you pay – just which card powers your UPI.
People looking for a lifetime-free credit card. Zero joining fee, zero annual fee, no conditions. For anyone who wants a credit card without an annual cost commitment, POP Card delivers this with UPI rewards on top.
Credit score builders who want a functional everyday card. Unlike secured cards where your credit limit is tied to an FD, the POP Card is a regular unsecured credit card with YES Bank credit underwriting. For users with a basic credit history looking to build further, it’s a practical daily-use card.
Beginners entering the credit card space. The POP Club app provides a simple, guided onboarding experience. Combined with the lifetime-free structure and UPI-first design, it’s an accessible first credit card for digitally-native younger users.
The POP Card may not be ideal for:
Heavy international travellers. The RuPay network has limited international acceptance compared to Visa and Mastercard. For frequent international transactions, a Visa or Mastercard credit card with zero forex markup (like Scapia) is more practical.
Reward maximisers looking for airport lounge access or travel miles. POP Card is a cashback and UPI savings card — it doesn’t offer lounge access or airline miles. Premium travel card users will find more value elsewhere.
Users who need a very high credit limit. Lifetime-free cards with broad accessibility typically start with moderate credit limits. If you need a ₹5 lakh+ credit limit immediately, a premium bank card may serve better.
POP Card vs Other Lifetime-Free Credit Cards in India
| Feature | POP Card (YES Bank) | Scapia Federal | IDFC FIRST WOW | Axis ACE |
|---|---|---|---|---|
| Joining Fee | ₹0 | ₹0 | ₹0 | ₹0 |
| Annual Fee | ₹0 Lifetime | ₹0 Lifetime | ₹0 Lifetime | ₹500 (waivable) |
| Network | RuPay | Visa + RuPay | Visa | Visa |
| UPI Credit Payments | ✅ Yes | ✅ Yes (RuPay) | ❌ No | ❌ No |
| UPI Reward Rate | Up to 10% | 5% coins | N/A | N/A |
| Lounge Access | ❌ No | ✅ Unlimited (domestic) | ❌ No | ❌ No |
| Forex Markup | Standard | 0% | Standard | Standard |
| Best For | UPI heavy users | Travel + UPI | FD-backed applicants | Utility bill cashback |
The POP Card wins specifically on UPI cashback rate — up to 10% on POP UPI scans is the highest among lifetime-free RuPay credit cards in India. Scapia offers better travel benefits.
IDFC FIRST WOW is better for users who want an FD-backed option. Axis ACE is stronger for utility bill cashback.
Is the POP Card Safe?
Yes – the YES Bank POP Club RuPay Credit Card is a safe, regulated financial product.
YES Bank is an RBI-regulated scheduled commercial bank. The credit card is issued under RBI’s card issuance guidelines with full consumer protection including zero-liability protection for unauthorised transactions reported promptly.
RuPay is operated by NPCI — the National Payments Corporation of India, a government-backed payment infrastructure body. Your UPI transactions via RuPay are processed through NPCI’s secure rails.
POP Club is the technology and rewards layer — the KYC, onboarding, and rewards experience is managed by POP Club, while the regulated banking product sits with YES Bank.
Standard credit card safety practices apply:
- Never share your OTP, CVV, or PIN with anyone
- Only apply through the official POP Club app — link: https://dl.popclub.co/RBRRoFsRH5b
- Set transaction alerts on your registered mobile number
- Report suspicious transactions immediately via YES Bank’s 24/7 helpline
My Take on the POP Card
Let me be straightforward: the POP Card’s core value proposition is strong and genuinely differentiated – but it is specifically strong for one type of user.
If your payment behaviour is primarily UPI QR scans – which describes the majority of urban Indians under 35 – the POP Card converts your existing daily payment habit into a savings engine.
Up to 10% back on UPI scans on a lifetime-free card is a compelling offer that no comparable product in India currently matches at zero annual cost.
The YES Bank partnership adds credibility and regulatory backing that pure fintech cards sometimes lack. The RuPay network’s native UPI compatibility is the technical foundation that makes the entire proposition work.
The limitation is equally clear: if you don’t scan UPI QR codes frequently, or if you primarily shop internationally, the POP Card’s differentiated value largely disappears. It becomes a basic lifetime-free card – fine, but not exceptional.
For the right user – an active UPI payer, daily scanner, digitally-native Indian consumer – the POP Card is one of the smartest lifetime-free credit cards available in India in 2026.
Use My POP Card Referral Code CC8OETX243
If you’ve decided to apply for the YES Bank POP Club RuPay Credit Card, use my referral code during sign-up:
POP Card Referral Code: CC8OETX243
👉 Apply Here: https://dl.popclub.co/RBRRoFsRH5b
Using the POP Card Referral Code CC8OETX243 links your application to any active referral reward that POP Club officially offers at the time of your registration. Referral benefits are subject to change — verify the current offer in the POP Club app after sign-up.
Final Verdict
The POP Card Referral Code CC8OETX243 is your entry point into one of India’s most UPI-native credit card experiences in 2026.
The YES Bank POP Club RuPay Credit Card combines a lifetime-free structure with up to 10% savings on POP UPI scans – making it one of the most practical everyday credit cards for active UPI users who want to earn real rewards on their daily payment behaviour.
It is not a travel card. It is not a lounge access card. It is not designed for international users. It is built specifically for Indian consumers who live on UPI – and for that audience, it is genuinely excellent.
Apply using POP Card Referral Code CC8OETX243 via the link below — lifetime free, no conditions, no annual fee.
👉 Apply for YES Bank POP Club RuPay Credit Card
Disclaimer: This article contains a referral link. Credit card approval is subject to YES Bank’s eligibility criteria. Features, rewards rates, and referral benefits are subject to change – always verify current terms on the official POP Club app before applying. This is not financial advice.
Frequently Asked Questions
What is the POP Card Referral Code? The POP Card Referral Code is CC8OETX243. Enter it during sign-up on the POP Club app or apply via the referral link: https://dl.popclub.co/RBRRoFsRH5b
What is the POP Card? The POP Card is the YES Bank POP Club RuPay Credit Card — a lifetime-free co-branded credit card that offers up to 10% savings on POP UPI scans and works natively with UPI for QR code payments.
Is the POP Card really lifetime free? Yes. The YES Bank POP Club RuPay Credit Card has zero joining fee and zero annual fee — it is lifetime free with no spend-based waiver condition.
How does the POP Card work with UPI? As a RuPay credit card, the POP Card can be linked directly to UPI apps including Google Pay, PhonePe, and the POP app. When you scan any UPI QR code and pay using the linked POP Card, you earn up to 10% savings on eligible POP UPI scan transactions.
Is the POP Card safe? Yes. The card is issued by YES Bank — an RBI-regulated scheduled commercial bank. Transactions are processed through NPCI’s RuPay and UPI infrastructure. Standard credit card zero-liability protections apply.
What is the minimum credit score required for POP Card? YES Bank assesses applications based on credit bureau data. While there is no publicly stated minimum CIBIL score, a reasonable credit history improves approval chances. First-time credit users may be assessed on other financial indicators.
Can I use the POP Card internationally? The POP Card is on the RuPay network which has limited international acceptance compared to Visa and Mastercard. For frequent international transactions, a Visa or Mastercard credit card is more practical.
How do I apply for the POP Card using referral code CC8OETX243? Click this link: https://dl.popclub.co/RBRRoFsRH5b – download the POP Club app, register with your mobile number, enter referral code CC8OETX243 if not pre-filled, complete KYC, and submit your application.
What bank issues the POP Card? The POP Card is issued by YES Bank — one of India’s prominent private sector banks regulated by the Reserve Bank of India.
Does the POP Card help build credit score? Yes. Like any credit card, the YES Bank POP Club RuPay Credit Card reports monthly payment activity to credit bureaus. Consistent on-time full payments build positive credit history and improve your CIBIL score over time.
External Resource Links:
- YES Bank official website: https://www.yesbank.in
- NPCI RuPay official: https://www.rupay.co.in
- RBI credit card guidelines: https://www.rbi.org.in
- NPCI UPI official: https://www.npci.org.in
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