Yes BankYES Bank RuPay Credit Card
The YES Bank RuPay Credit Card is a lifetime-free credit card on the RuPay network, designed for entry-level credit users and UPI credit payment users.
Top Category Performance
Travel & Lounge (94/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.25 – 1
Forex Markup
0%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
YES Bank RuPay Credit Card Benefits
YES Bank RuPay Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
0.25% – 1%
Earn rate
YES Bank RuPay Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
YES Bank RuPay Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- No physical card variant
- No cash advance facility
Card Features
🎉 Zero Annual Fee — 100% Net Profit
YES Bank RuPay Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES Bank RuPay Credit Card Eligibility
Employment type
Pros & Cons
- Lifetime free — zero joining and annual fee
- 4 Rewards Points on every ₹200 spent on UPI transactions above ₹2000
- 4 Rewards Points on every ₹200 spent on all online spends
- UPI-linked — use credit card on UPI apps (PhonePe, GPay, BHIM)
- 1% cashback on all eligible retail purchases
- 1% fuel surcharge waiver at petrol pumps
- No lounge access
- Basic cashback rate (1%)
- No travel or premium benefits
Who is this card for?
First-time credit card users who prefer the RuPay network, want UPI credit payment capability, or are financially-included customers looking for a simple, no-cost credit card.
Quick Links
Data last updated 10 Aug 2026
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Calculate your exact earnings with YES Bank RuPay Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.