- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 RPs per ₹200 on UPI transactions above ₹2,000, 2 RPs per ₹200 on other online spends
- Reward redemption
Reward points earned can be redeemed against a host of choices at the Yes Rewardz portal
Fees & charges
- Rewards redemption fee
Rs. 100 per redemption request
- Foreign currency markup
2.75% of the transaction amount
- Interest rates
3.8% per month or 45.6% per annum
- Fuel surcharge waiver
1% fuel surcharge waiver on spends between Rs. 400 to Rs. 5000, with maximum benefit capped at Rs. 125 per statement cycle
Product highlights
- Lifetime free credit card without any joining or renewal fee
- Convenience in making UPI transactions
- Virtual-Only card without any physical card variant
- 4 RPs per ₹200 spent on UPI transactions above ₹2,000
- 2 RPs per ₹200 spent on other online spends
- A low forex markup fee of 2.75% of the transaction amount
FAQs
The Yes Bank RuPay credit card can be linked to all UPI apps?
You can link the Yes Bank RuPay credit card to Paytm, BHIM, Google Pay, and PhonePe. Other applications are updating their platforms so that customers can soon begin linking their RuPay credit cards to those apps as well.
What is the joining fee on the Yes Bank RuPay credit card?
The Yes Bank RuPay credit card is a lifetime free card without any joining or renewal fees. You can opt for this card when applying for another Yes Bank credit card, and it is only available in the virtual version.
Do I get a physical variant of the Yes Bank RuPay credit card?
No, you just get a virtual version of the Yes Bank RuPay credit card, not a physical variant. Also, the credit limit on the RuPay credit card is shared with the original credit card you applied for.
Can I make UPI payments with the credit card to other people's credit cards?
No, you can only use the Yes Bank RuPay credit card to make UPI payments to merchants. The card cannot be used for peer-to-peer transactions on UPI apps.
What is the reward rate on the credit card?
The Yes Bank RuPay credit card offers 4 RPs per ₹200 spent with the card on UPI transactions above ₹2,000. You also get 2 RPs per ₹200 on other online spends with the card.
Can I use the credit card to authenticate UPI applications?
No, you cannot use your card PIN and will need a separate UPI PIN for UPI payments with the RuPay credit card. Existing users of IRIS by Yes or Yes Mobile will have the same MPIN and UPI PIN.