YES Bank Rio RuPay Credit Card

Rewards & cashback

• Users will earn 3% Rio coins on spending via Rio UPI

Airport lounge access

• Users will get 2 complimentary domestic airport lounge visit in India per calendar quarter

More benefits & features

• UPI-enabled credit card
• Fuel surcharge waiver.; Lifetime free credit card.; Users can make payments using UPI.; 1% fuel surcharge waiver

Fees & charges

Foreign currency markup

3.50

Interest rate

3.80% monthly, 45.60% annually

Late payment

₹150 to ₹1200

Cash advance

2.5% of amount withdrawn or ₹500, whichever is higher

Fuel surcharge

1% waiver for transaction between ₹500 to ₹3,000, capped at ₹250

Billing cycle

Up to 50 days

Other fees

NIL | Fuel surcharge: 1%

Pros and cons

Who can apply

• 21 to 60 years of age
• Salaried or self employed
• Minimum net salary of ₹25,000 per month or Income Tax Return of ₹5 lakhs*
• Existing YES BANK Credit Cardholders are not eligible for this card

How to apply

1. Visit the YES Bank website: Go to the YES Bank website and navigate to the credit card section
2. Find the RIO credit card: Look for the RIO credit card and click on it to learn more about its features and benefits
3. Click on "Apply Now": Once you've decided to apply, click on the "Apply Now" button
4. Fill in the application form: You will be redirected to an online application form
5. Fill in the required information, including your personal details, income details, and contact information
6. Upload required documents: You may need to upload some documents, such as your PAN card, address proof, and income proof
7. Submit the application: Review your application and submit it
8. Wait for approval: Once you submit your application, YES Bank will review it and you will receive a notification about the approval status