Yes Bank
Yes Bank RuPay Credit Card
rupaybasiccreditshoppingonline
Annual Fee
FREE
Base Reward
2% points
Foreign Markup
2.75% of the transaction amount
4.4/5
Welcome Benefits
N/A
Product Highlights
- Lifetime free credit card without any joining or renewal fee
- Convenience in making UPI transactions
- Virtual-Only card without any physical card variant
- Low forex markup fee of 2.75% of the transaction amount
Rewards Details
Earn 4 reward points per ₹200 spent on UPI transactions above ₹2,000 and 2 reward points per ₹200 spent on other online spends.
Reward Points — Redemption Value
- Reward points earned can be redeemed against a host of choices at the Yes Rewardz portal.
Benefits & Features
1% fuel surcharge waiver on spends between ₹400 to ₹5000, with maximum benefit capped at ₹125 per statement cycle.
Pros & Cons
Pros
- Complimentary offering when applying for another Yes Bank card
- Accelerated reward points on UPI spends
- No joining or annual fee
Cons
- Virtual-only card without a physical variant
- Shared credit limit with original card
Partner Merchants
PaytmBHIMGoogle PayPhonePe
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup2.75% of the transaction amount
Interest Rate3.8% per month or 45.6% per annum
Redemption Fee₹100 per redemption request
Eligibility
Networks
rupay