Yes Bank
YES Bank RuPay Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
0.25% – 1%
Forex Markup
0%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
0.25% – 1%
Earn rate
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026