Yes Bank Rupay Credit Card
YES Bank
Last updated: Feb 03, 2026
₹0
₹0
2.75%
No lounge access
Contents
YES Bank RuPay Credit Card is a lifetime-free, UPI-enabled basic rewards card built for everyday digital payments. It focuses on higher reward earnings for UPI spends and online transactions while keeping fees nil for entry-level customers. Ideal for users who want a no-fee card with simple, easy-to-redeem Rewardz points and broad domestic acceptance.
Features of Yes Bank Rupay Credit Card which makes it unique
Lifetime Free
No joining or annual fees for life.
Zero fee barrier for entry-level users and first-time cardholders.
Stronger beginner value than many entry-level bank cards with fees.
UPI-First Rewards
Accelerated Rewardz points for UPI spends above a threshold.
Better value for frequent UPI users compared to standard base cards.
Advantage for customers who primarily use UPI for payments.
Rewards Structure of Yes Bank Rupay Credit Card
UPI payments
acceleratedUPI payments above ₹2,000 per transaction
Base
baseAll non-UPI spends including offline and online card transaction
Fees & Charges of Yes Bank Rupay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Lifetime free — no annual/renewal fee charged.
Fee Explanation Standard YES Bank credit card charges apply for overdue amounts and cash advances; see YES Bank rates & charges for detailed slab-wise interest and minimums.
Detailed Explanation of Yes Bank Rupay Credit Card Fees
Joining Fee: 0 (one-time)
Lifetime free card — no joining fee.
Annual Fee: 0 (yearly)
No annual/renewal fee for primary card.
Foreign Currency Markup: 2.75% (transaction)
Applies on international transactions and forex spends; check YES Bank R&C for exceptions.
Cash Advance Fee: 2.5% (transaction)
Minimum amount as per bank policy.
Additional Features of Yes Bank Rupay Credit Card
UPI Linkage
Card can be linked to UPI for in-app and scan-and-pay transactions.
Subject to UPI partner terms and YES Bank integration.
Virtual Card
Virtual card for secure online transactions via YES Bank channels.
Requestable through YES Bank app/portal.
Contactless Payments
Tap-to-pay enabled for supported merchants and POS terminals.
Contactless acceptance depends on merchant POS.
Welcome Bonus with Yes Bank Rupay Credit Card
Welcome Bonus: lifetime free
Bonus Conditions: No specific welcome bonus. Rewards are earned on eligible spends as per YES Rewardz rules (see official T&Cs).
Application Process for Yes Bank Rupay Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via YES Bank official credit card page or Finanjo portal
Complete KYC and upload required documents
Receive verification call/email from YES Bank
Card issued/virtual card provisioned within 5-10 business days subject to verification
Required Documents for Yes Bank Rupay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
Yes Bank Rupay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India on RuPay-enabled merchants and UPI acceptance points
International Acceptance
Limited — RuPay acceptance internationally varies; card usable where RuPay is accepted or via specific cross-border arrangements
Online Acceptance
Yes — works for online merchants that accept RuPay or card network tokenization
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Rupay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹180,000
Minimum annual income
Self-Employed Applicants
₹300,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN required; KYC (Aadhaar or equivalent) and proof of income may be requested per RBI and YES Bank norms.
How Approval Is Decided
- Indian resident (valid ID and KYC)
- Minimum monthly income as per product profile (approx. ₹15,000 for basic RuPay variants)
- Acceptable credit history and score (typically above 650)
Pros of Yes Bank Rupay Credit Card
- No joining or annual fee — lifetime free
- Accelerated rewards on UPI spends
- Good entry-level option for digital-first customers
Cons of Yes Bank Rupay Credit Card
- Limited premium benefits (no lounge access, no travel perks)
- Lower reward rates for offline/non-UPI spends compared with premium cards
- Foreign currency markup applies for international spends
Frequently Asked Questions about Yes Bank Rupay Credit Card
Is there a joining or annual fee for the YES Bank RuPay Credit Card?
No. The YES Bank RuPay Credit Card is lifetime free with zero joining and annual/renewal charges.
How do I earn Rewardz points on this card?
Earn 4 Rewardz Points per ₹200 on UPI transactions above ₹2,000 and 2 Rewardz Points per ₹200 on non-UPI transactions, as per the YES Bank RuPay card usage guide.
Can I link this card to UPI?
Yes. The RuPay Credit Card is UPI-enabled — you can link it for UPI payments through supported apps and YES Bank channels.
What is the foreign currency markup on international transactions?
A foreign currency markup (forex fee) of around 2.75% applies on international/forex transactions; refer to YES Bank rates & charges for exact slabs.
How can I redeem Rewardz points?
Rewardz points can be redeemed via the YES Rewardz portal/app for statement credits, vouchers or partner redemptions. Redemption value depends on the selected option and current YES Rewardz rates.
Who should get the YES Bank RuPay Credit Card?
Digital-first users who want a lifetime-free card, frequent UPI payers, and first-time credit card holders who prefer a simple rewards card without annual fees.
Who should avoid this card?
Frequent international travellers or premium rewards seekers should consider higher-tier cards with lounge access, travel insurance, and better forex rates.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.