YES Bank RuPay Credit Card

• • Redemption fee: ₹100

Joining fee

Nil

Annual / renewal fee

Lifetime free

Interest rate

3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

2.75% on foreign currency conversion

DCC markup

1%

Reward redemption

₹100 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹125/cycle

Duplicate card

₹100

Open to existing YES Bank Visa and Mastercard credit cardholders. Applicants who already hold a YES Bank RuPay credit card are not eligible. The card is virtual — no plastic is issued.

• Who can apply for the YES Bank RuPay Credit Card?
• Can this card be used for UPI payments?
• Is a physical card issued?