Seamless UPI payments meet credit convenience
4X reward points on UPI spends
1% fuel surcharge waiver
Enter your details to get started
| Benefit | Details |
|---|---|
| UPI Integration | Link the card to UPI app and Paytm for instant merchant payments. |
| Accelerated Rewards on UPI | Earn 4 reward points per ₹200 spent on all UPI transactions above ₹2,000. |
| Lifetime Free Card | No joining fee and no annual fee ever, making it completely free to own and use. |
| Shared Credit Limit | The credit limit is shared with the primary Yes Bank credit card selected during application. |
| Lower Forex Markup | Foreign currency markup fee of just 2.75%, lower than the standard market rate. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | YES Bank Ltd. |
| Bank / Non-bank | Private Sector Bank |
| Category | Rewards / Digital Payments |
| Type of Card | RuPay |
| Free or Paid | Lifetime Free (₹0 joining and annual fee) |
The YES Bank RuPay Credit Card is tailored for digitally savvy individuals who frequently use UPI for daily transactions and want to combine the convenience of instant payments with credit card benefits. This virtual-only card serves as a complimentary offering for existing YES Bank credit cardholders, allowing them to leverage UPI's widespread acceptance whilst earning accelerated reward points. With its lifetime free structure and enhanced rewards on UPI spends above ₹2,000, the card proves particularly valuable for those who prefer scan-and-pay transactions at merchant outlets, making everyday purchases more rewarding without any additional cost.
Virtual-Only Format: The card is issued exclusively in digital form without any physical variant, accessible through the YES Bank mobile app and easily linkable with major UPI applications for seamless transactions.
Lifetime Free Card: Enjoy the benefits of a credit card with no joining or annual fees, making it a cost-effective option for everyday use.
UPI Compatibility: Cardholders can link their YES Bank RuPay Credit Card to popular UPI apps such as Google Pay, PhonePe, or Paytm, allowing instant QR code and mobile number-based payments while earning reward points.
Reward Points on Spends: Earn accelerated reward points on UPI and online transactions, making digital payments more rewarding.
Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver on eligible transactions, offering added savings on fuel spends.
EMI Flexibility: Convert eligible transactions into convenient EMIs at attractive interest rates directly through the YES Bank mobile app or customer service helpline.
Quick Loan Facility: Access instant funds within your credit limit through the Quick Loan feature, ensuring financial flexibility when needed.
4X Reward Points on UPI: Earn 4 reward points for every ₹200 spent on UPI transactions above ₹2,000 made through linked UPI applications, providing enhanced value on everyday digital payments.
2X Reward Points on Non-UPI Spends: Accumulate 2 reward points per ₹200 spent on all non-UPI transactions, including online shopping and other digital purchases made directly with the card.
Note: Reward points are credited based on eligible transactions as per the bank's reward programme terms and conditions.
YES Rewardz Portal: Accumulated reward points can be redeemed through the YES Rewardz website and mobile application for a diverse range of options.
Gift Vouchers: Exchange points for vouchers from partner brands across categories including shopping, dining, travel, and entertainment.
Merchandise: Redeem points for electronics, lifestyle products, and other merchandise available in the YES Rewardz catalogue.
1% Waiver: Receive a 1% fuel surcharge waiver on transactions at petrol pumps across India, helping save on regular fuel expenses.
Maximum Benefit: The fuel surcharge waiver benefit is capped at ₹125 per statement cycle, providing consistent monthly savings.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
Instant EMI: Convert eligible purchases of ₹1,500 or more into convenient monthly instalments without extensive documentation.
Flexible Tenure: Choose from repayment periods ranging from 6 to 36 months based on financial convenience and purchase value.
Competitive Rates: The card offers interest rates that remain competitive within the industry range, along with a nominal processing fee applicable on eligible transactions.
Quick Processing: EMI conversions are processed instantly without requiring guarantors or post-dated cheques
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No charge when the card is issued. Completely free to obtain. |
| Annual Fee | ₹0 | Lifetime free with no annual or renewal charges ever. |
| Foreign Currency Markup | 2.75% | Charged on international transactions, lower than the standard 3.5% market rate. |
| Fuel Surcharge | 1% waiver available | On transactions between ₹400-₹5,000, maximum benefit ₹125 per statement cycle. |
| EMI Processing Fee | Low processing fee | Applicable on purchases converted to EMI of ₹1,500 or above. |
| Cash Advance Fee | As per bank policy | Charges apply for cash withdrawals using the credit card. |
| Criteria | Details |
|---|---|
Age (for most credit cards) | Applicant should be between 21 and 60 years. |
Employment type | Applicant must be either salaried or self‑employed. Self-employed can include business owners, proprietors, or partners for business cards. |
Minimum income / net monthly income | Base monthly income requirement is generally ₹40,000 per month for most cards. |
| Document Type | Details |
|---|---|
| Proof of Identity | Valid government-issued photo ID such as Aadhaar card, PAN card, Passport, Driving Licence, or Voter's ID. |
| Proof of Address | Aadhaar card, Passport, Driving Licence, recent utility bill (electricity, water, gas), bank account statement, or other government-approved address proof. Utility bills should ideally be recent (within last 2–3 months). |
| Proof of Income / Financials | For salaried: recent salary slips (last 1–3 months), bank statement showing salary credits, or ITR/Form 16. For self-employed: ITR, audited financial statements, business statements, or bank statements. |
| Photographs / Application Form | Recent passport-sized photograph(s) and a duly filled application form (online or offline). |
| Usage Tips | Details |
|---|---|
Link to UPI Apps | Add the card to Google Pay, PhonePe, BHIM, or Paytm by selecting 'Add Credit Card' and choosing YES Bank from the list. |
Make UPI Payments | Scan merchant QR codes, select the RuPay card from the dropdown, enter the transaction amount and UPI PIN to complete payments. |
Track Spends Separately | Monitor spending on both primary and RuPay cards separately as they generate individual statements despite sharing the credit limit. |
Maximise UPI Rewards | Focus on using the card for UPI transactions above ₹2,000 to earn the accelerated 4X reward points benefit. |
Redeem Regularly | Access the YES Rewardz portal or app to track accumulated points and redeem them before expiry for maximum value. |
Manage Credit Limit | Keep track of the shared credit limit across both cards to avoid declined transactions and ensure sufficient available credit. |
The YES Bank RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
No comments yet. Be the first.