Yes Bank Zagg Credit Card

Yes Bank Zagg Credit Card is a rewards credit card from YES Bank. Value of 1 Zagg Coin = ₹0.25 (cash-equivalent, redeemable as statement credit).

Joining fee: ₹0
Annual fee: ₹0
Forex markup: 2.75%
Interest: 3.99% per month (47.88% annually) per YES Bank standard

More YES cards

Welcome benefits

None specified

Rewards & cashback

Value of 1 Zagg Coin = ₹0.25 (cash-equivalent, redeemable as statement credit)
User earns 3 Zagg Coins per ₹100 on Zagg-app UPI and contactless spends (minimum ₹50 per transaction)
Zagg UPI/Contactless Cashback Rate: 0.75%
All other spends earn no coins
General Cashback Rate: 0%
Coin earning is capped at 1.5% of the assigned credit limit per billing cycle

Airport lounge access

Up to 8 complimentary domestic airport lounge visits per year (2 per calendar quarter), conditional on meeting a spend threshold in the preceding quarter
No international lounge access

Movies

Buy-one-get-one movie ticket offer via the District app / BookMyShow

More benefits & features

UPI-linked virtual RuPay card usable on PhonePe, Google Pay, Paytm, etc.; fully digital onboarding and management via the Zagg app; direct statement-credit redemption of coins

Fees & charges

Joining fee: ₹0 (lifetime free)
Annual fee: ₹0 (lifetime free)
Foreign currency markup: 2.75%
Interest rate: 3.99% per month (47.88% annually) per YES Bank standard
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 MITC)
Cash advance: Likely not available (virtual UPI card)
Other fees: ₹100 + GST per redemption. Fuel Surcharge: 1% surcharge, waived, capped at ₹250 per month

Pros and cons

What works well

None specified
Value of 1 Zagg Coin = ₹0.25 (cash-equivalent, redeemable as statement credit)
User earns 3 Zagg Coins per ₹100 on Zagg-app UPI and contactless spends (minimum ₹50 per transaction)
Zagg UPI/Contactless Cashback Rate: 0.75%
All other spends earn no coins
General Cashback Rate: 0%

Worth knowing

Limited vakue add features
Low cashback rate

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.