Yes Bank
Yes Bank RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
2.75% of the transaction amount
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
Category Rewards
Specialty
UPI Spends (Above ₹2,000)
0.4X
Reward Calculator
Earns ₹384/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
YES Rewardz
₹384
via standard · ₹0.2/pt
Effective rate
0.25%
Annual fee
FREE
Year 1 net
+₹384
Year 2+ net
+₹384
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
UPI Spends (Above ₹2,000)
Headline: 0.40% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
rent, wallet, fuel, government, cash advance, emi pos conversion
Fuel surcharge waiver (good news)
1%on ₹400–₹5,000 fuel txns · capped at ₹125/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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 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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks