Yes Bank Rupay Credit Card

Yes Bank Rupay Credit Card is a rewards credit card from YES Bank. Value of 1 YES Rewardz Point = ₹0.10 (cash-equivalent / voucher-catalogue value).

Joining fee: ₹0
Annual fee: Nil
Forex markup: 2.75%
Interest: 3.80% per month (45.60% annually). The YES Bank standard is sometimes cited at 3.99% per month — confirm for…

More YES cards

Rewards & cashback

Value of 1 YES Rewardz Point = ₹0.10 (cash-equivalent / voucher-catalogue value)
User earns 4 YES Rewardz Points per ₹200 on UPI transactions above ₹2,000
UPI (above ₹2,000) Cashback Rate: 0.2%
User earns 2 YES Rewardz Points per ₹200 on other online spends
Online Cashback Rate: 0.1%
UPI transactions of ₹2,000 or below earn no reward points
Total reward earning is capped at 5,000 points per month (Redeeming for flights/hotels lifts the point to ₹0.25 and roughly 2.5x these rates — about 0.5% / 0.25% — but that’s not the cash-equivalent baseline.)

More benefits & features

UPI-linked virtual RuPay card usable on PhonePe, Google Pay, BHIM, etc (shares the credit limit of your primary YES Bank card, with separate statements and bill payments); EMI conversion facility.

Fees & charges

Joining fee: ₹0 (lifetime free)
Annual fee: Nil
Foreign currency markup: 2.75%
Interest rate: 3.80% per month (45.60% annually). The YES Bank standard is sometimes cited at 3.99% per month — confirm for…
Late payment: Nil for total outstanding up to ₹500; above ₹500, the lower of 10% of the statement balance or ₹1,350, capped at ₹1,500 per cycle (per…
Cash advance: Not applicable — the card does not offer a cash advance facility (virtual-only)
Other fees: Not specified for this card (fuel spends are also excluded from reward points) — confirm

Pros and cons

What works well

Reward System / Cashback Rate: Value of 1 YES Rewardz Point = ₹0.10 (cash-equivalent / voucher-catalogue value)
User earns 4 YES Rewardz Points per ₹200 on UPI transactions above ₹2,000
UPI (above ₹2,000) Cashback Rate: 0.2%
User earns 2 YES Rewardz Points per ₹200 on other online spends
Online Cashback Rate: 0.1%
UPI transactions of ₹2,000 or below earn no reward points

Worth knowing

Low cashback rate
Limited value add features

Who can apply

The applicant should already be holding a Yes Bank Credit Card, that card should not be a Rupay credit card

How to apply

Online:
Visit Yes Bank website
Fill out the online application form with the correct details
Upload the required documents when prompted
Submit the application and track its status online Bank Branch:
Visit the Yes Bank branch nearest to you
Meet a customer service representative and express your interest of availing the credit card
Provide them with your KYC documents and fill out the application form
Submit the application and inquire about further processing steps

Details come from information published by YES Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.