Yes Bank Uni Credit Card

Yes Bank Uni Credit Card is a rewards credit card from YES Bank. Value of 1 Uni Coin = ₹1 (cash-equivalent, redeemed as statement credit).

Joining fee: ₹499 + taxes
Annual fee: ₹499 + taxes
Forex markup: 0% (zero forex markup)
Interest: 3.80% per month (45.60% annually), per the YES Bank RuPay card family

More YES cards

Rewards & cashback

Value of 1 Uni Coin = ₹1 (cash-equivalent, redeemed as statement credit)
User earns 1 Uni Coin per ₹100 on all spends, with no merchant restrictions and no cap
General Cashback Rate: 1% (flat, uncapped, all categories)

Milestone benefits

Spend-based fee waivers only (joining fee on ₹5,000 in 30 days; annual fee on ₹50,000 in a year)
No reward-point milestone

More benefits & features

0% foreign currency markup (the card’s standout feature and main draw for international spends); 1% fuel surcharge waiver on fuel spends up to ₹7,500, capped at ₹500 per month; UPI-linked RuPay card usable on PhonePe, Google Pay, BHIM, etc.; and app-based…

Fees & charges

Joining fee: ₹499 + taxes (waived on ₹5,000 spend within 30 days). Some sources list this as a ₹0 companion card
Annual fee: ₹499 + taxes (waived on ₹50,000 annual spend)
Foreign currency markup: 0% (zero forex markup)
Interest rate: 3.80% per month (45.60% annually), per the YES Bank RuPay card family
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: 2.5% of the amount (minimum ₹500 until 15 June 2026) per the MITC — if the card supports ATM withdrawal. Note: YES Bank’s RuPay/virtual…
Other fees: 1% surcharge, waived on fuel spends up to ₹7,500, capped at ₹500 per month

Pros and cons

What works well

None
Reward System / Cashback Rate: Value of 1 Uni Coin = ₹1 (cash-equivalent, redeemed as statement credit)
User earns 1 Uni Coin per ₹100 on all spends, with no merchant restrictions and no cap
General Cashback Rate: 1% (flat, uncapped, all categories)
None — this card does not include complimentary lounge access None specified.
Spend-based fee waivers only (joining fee on ₹5,000 in 30 days; annual fee on ₹50,000 in a year)

Worth knowing

Low cashback rate
Limited value add feature

Who can apply

Age: Between 21 and 60 years
Employment Type: Salaried or self-employed
Income Requirement: Monthly salary of ₹25,000 or Annual Income Tax Return (ITR) of ₹7.5 Lakhs or more

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.