Entry-LevelEntryRuPay

YES Bank RuPay Credit Card

Virtual RuPay card built for UPI payments

Annual feeLifetime Free

Rewards4 reward points per ₹200 on UPI transactions above ₹2,000, and 2 per ₹200 on all online spends.

Forex markup2.8%2.75% on foreign currency conversion

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Rewards

Base earn rate

4 reward points per ₹200 on UPI transactions above ₹2,000, and 2 per ₹200 on all online spends.

YES Rewardz

Category	Rate	Cap
UPI Transactions Above ₹2,000	—	—
Online Spends	—	Utility spends capped at 150 points per statement cycle
YES Pay Now	—	—

• Redemption fee: ₹100

Fees & charges

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Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher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

Late payment

Nil while the current outstanding (statement balance plus unbilled) is ₹500 or less. Above that, 10% of the statement balance or ₹1,350, whichever is lower, per statement.

View official MITC →

Eligibility

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.