Yes Bank POP Club CC

Has anyone used this cc? Their ads mentioned flat 5% cashback. But their product page is vague. I can’t really understand what is true reward rate and how can those be used.

Currently I use Airtel Axis CC. And get around 1k cashback roughly as statement credits per month.

I spend 45k every month via swiping card. And another 10k roughly using UPI.

Avg monthly CC spends are 55k which on some months reaches 1L as well.

I have SBI Cashback card as well.