What is the Yes Bank RuPay Credit Card?

The Yes Bank RuPay Credit Card is a complimentary, lifetime-free virtual card designed for seamless UPI payments and online transactions, offering accelerated reward points.

Does the Yes Bank RuPay Credit Card have any joining or renewal fees?

No, the Yes Bank RuPay Credit Card is a lifetime free card with absolutely no joining or renewal fees.

How can I obtain the Yes Bank RuPay Credit Card?

This card is a complimentary offering available to all existing Yes Bank Mastercard or Visa credit cardholders when they apply for another Yes Bank credit card.

Can I link my Yes Bank RuPay Credit Card to UPI apps?

Yes, you can easily link your Yes Bank RuPay Credit Card to major UPI applications like Paytm, BHIM, Google Pay, and PhonePe for convenient transactions.

What are the reward points offered by the Yes Bank RuPay Credit Card?

You earn 4 reward points per ₹200 on UPI transactions above ₹2,000 and 2 reward points per ₹200 on other online spends with the Yes Bank RuPay Credit Card.

Is the Yes Bank RuPay Credit Card a physical card?

No, the Yes Bank RuPay Credit Card is offered exclusively in a virtual format, and no physical card will be issued.

What is the foreign currency markup fee for this Yes Bank card?

The Yes Bank RuPay Credit Card has a competitive foreign currency markup fee of 2.75% of the transaction amount for international spends.

Can I use the Yes Bank RuPay Credit Card for peer-to-peer (P2P) UPI transactions?

No, the Yes Bank RuPay Credit Card can only be used for merchant payments via UPI and cannot be used for P2P transactions.

How do I redeem the reward points earned on my Yes Bank RuPay Credit Card?

Reward points earned on the Yes Bank RuPay Credit Card can be redeemed through a variety of choices available on the Yes Rewardz portal.

Does the Yes Bank RuPay Credit Card offer lounge access or movie benefits?

The Yes Bank RuPay Credit Card does not offer specific benefits like lounge access, movie discounts, dining deals, or golf privileges.

YES Bank

Yes Bank RuPay Credit Card

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Last updated: 8 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 4 reward points per ₹200 spent on UPI transactions above ₹2,000. Earn 2 reward points per ₹200 spent on other online spends.

Reward Type

Reward Points

Reward Redemption

Reward points earned can be redeemed against a host of different choices available at the Yes Rewardz portal.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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