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YES Bank Rio RuPay Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 Rio coins on spending INR 100 via Rio UPI.
Value of 1 Rio Coin is INR 0.25.
General UPI Cashback Rate: 0.75
The transaction minimum value needs to be INR 0.75 in order to earn reward points.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Lifetime free credit card.
Users can make payments using UPI.
Lounge Access
Users will get 2 complimentary domestic airport lounge visit in India per calendar quarter.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 Rio coins on spending INR 100 via Rio UPI.
Value of 1 Rio Coin is INR 0.25.
General UPI Cashback Rate: 0.75
The transaction minimum value needs to be INR 0.75 in order to earn reward points.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Lifetime free credit card.
Users can make payments using UPI.
Lounge Access
Users will get 2 complimentary domestic airport lounge visit in India per calendar quarter.
Fees & Charges
Joining Fee
Rs. NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: 2.5% of amount withdrawn or ₹500, whichever is higher
Interest rate
Interest rate: 3.80% monthly, 45.60% annually.
Late Payment Fee
Late payment charges: INR150 to INR1200.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3.50%
Other Fees
Reward redemption fee: NIL | Fuel surcharge: 1%
Fees & Charges
Joining Fee
Rs. NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.80% monthly, 45.60% annually.
Late Payment Fee
Late payment charges: INR150 to INR1200.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3.50%
Other Fees
Reward redemption fee: NIL | Fuel surcharge: 1%
Special Features
UPI-enabled credit card
Eligibility Criteria
21 to 60 years of age
Salaried or self employed
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 5 lakhs*
Existing YES BANK Credit Cardholders are not eligible for this card
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the YES Bank website: Go to the YES Bank website and navigate to the credit card section.
Find the RIO credit card: Look for the RIO credit card and click on it to learn more about its features and benefits.
Click on "Apply Now": Once you've decided to apply, click on the "Apply Now" button.
Fill in the application form: You will be redirected to an online application form. Fill in the required information, including your personal details, income details, and contact information.
Upload required documents: You may need to upload some documents, such as your PAN card, address proof, and income proof.
Submit the application: Review your application and submit it.
Wait for approval: Once you submit your application, YES Bank will review it and you will receive a notification about the approval status.
Contact Details
1860 210 1200
Account Opening and Procedure
The card offers limited number of value add features.
The card offers limited number of value add features.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai