Yes Bank Unicard Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
The YES Bank Uni (Unicard) Visa credit card is a value-first entry-level rewards card offering flat rewards across spends, zero forex markup for international transactions, and a simple, low-friction fee structure. It targets everyday spenders who want straightforward cashback/rewards, easy digital activation via the Uni ecosystem, and minimal upkeep.
Features of Yes Bank Unicard Visa Credit Card which makes it unique
Simple Flat Rewards
Flat reward rate on most spends for easy redemption.
No category tracking needed; predictable rewards.
Simpler than tiered cards with many exclusions.
Rewards Structure of Yes Bank Unicard Visa Credit Card
Base
baseAll spends
Fees & Charges of Yes Bank Unicard Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free / no renewal fee for the Uni variant as per current product offers; check latest bank communication for changes.
Fee Explanation Schedule of charges follows YES Bank MITC: cash advance fee 2.5% (min ₹300); other standard bank fees and GST apply. Always check latest T&Cs.
Detailed Explanation of Yes Bank Unicard Visa Credit Card Fees
Joining Fee: 0 (one-time)
Offer-level joining fee; current Uni variant shows no joining fee.
Annual Fee: 0 (yearly)
Lifetime-free pricing for Uni variant as published; bank may change fees—refer MITC.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction; finance charges apply from withdrawal date.
Additional Features of Yes Bank Unicard Visa Credit Card
Contactless Payments
Tap-and-pay enabled for contactless in-store payments.
Card Controls via App
Manage card in the Uni/YES Bank digital interfaces (block/unblock, statement access).
Subject to app features and user registration.
Welcome Bonus with Yes Bank Unicard Visa Credit Card
Welcome Bonus: 1,000 reward points
Bonus Conditions: Welcome points credited after first successful transaction and subject to card activation; applicable to new-to-product customers only—refer to bank T&C.
Application Process for Yes Bank Unicard Visa Credit Card
Processing Time
5-7 business days (typical, subject to verification).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Uni / YES Bank portal or app
Complete KYC and upload documents
Receive verification call / OTP verification
Card issued or dispatched after approval
Required Documents for Yes Bank Unicard Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Yes Bank Unicard Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India via Visa network
International Acceptance
Accepted globally at Visa merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Unicard Visa Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC; residency in India; subject to bank credit assessment.
How Approval Is Decided
- Indian resident with valid KYC
- Satisfactory credit profile (650+ recommended)
- Minimum income criteria as per product offer
Pros of Yes Bank Unicard Visa Credit Card
- Straightforward flat rewards for everyday spends
- Zero forex markup — good for travellers/shopper abroad
- Minimal/no fees on current Uni offer
Cons of Yes Bank Unicard Visa Credit Card
- Lower reward rate vs. premium cards (flat ~1%)
- Limited premium perks such as lounge access or high milestone bonuses
- Reward transfer/partner options limited compared to large co-branded cards
Frequently Asked Questions about Yes Bank Unicard Visa Credit Card
Are there any forex charges for international transactions?
The Uni variant advertises zero forex markup (no forex fee) — a strong plus for travellers; confirm on the bank offer page before use.
How do I redeem reward points?
Rewards are redeemable through YES Bank / Uni reward portal or app as per the bank's reward catalogue and redemption rules.
What documents do I need to apply online?
Standard KYC: PAN, Aadhaar (or passport/utility for address), proof of income for salaried/self-employed as required by the bank.
Is there a cash advance fee?
Yes — cash advances carry a transaction fee of 2.5% (minimum ₹300) and finance charges from the withdrawal date.
Is there a joining or annual fee for the Uni Visa card?
The Uni variant currently lists lifetime-free pricing with no joining or annual fee; always confirm at application time as offers can change.
What is the base reward rate on the Yes Bank Uni Visa card?
The Uni Visa variant offers a flat reward/cashback—commonly around 1% on eligible retail spends; check product page for exact wording.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.